Electric Machinery Employee Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 40.0 percent and a “hot money” ratio of 23.0 percent. A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Asset Mix:
Consumer loans (36%), securities (19%), home mtgs (1%), other (44%)
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
800 Central Avenue NE
Minneapolis, MN 55413
Minneapolis, MN 55413
Phone Number
(612) 378-8100
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Minneapolis, MN
Minneapolis, MN
Minneapolis, MN
Minneapolis, MN