FedFinancial Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Weak (1.9) profitability.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (7.4). Good liquidity 6.2, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 7.1 percent.
Asset Mix:
Securities (21%), home mtgs (13%), consumer loans (12%), other (54%)
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
10903 New Hampshire Ave
Silver Spring, MD 20903
Silver Spring, MD 20903
Phone Number
(301) 881-5626
NCUA Charter Number
Website
Largest Competitors
Linthicum, MD
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Silver Spring, MD
Silver Spring, MD