One Credit Union
Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 7.8. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 12.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0). Weak liquidity 2.9, driven by a liquidity ratio of 9.6 percent and a “hot money” ratio of 9.6 percent.
Asset Mix:
Consumer loans (26%), home mtgs (22%), comm loans (11%), other (41%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
380 River Street
Springfield, VT 05156
Springfield, VT 05156
Phone Number
(802) 886-4228
NCUA Charter Number
Website
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