Utilities Employees Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.1 and a net worth ratio of 15.6. A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Other 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 (6.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (3.4) profitability.
Asset Mix:
Home mtgs (19%), comm loans (14%), consumer loans (8%), other (59%)
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
11 Meridian Boulevard
Wyomissing, PA 19610
Wyomissing, PA 19610
Phone Number
(610) 927-4000
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Wyomissing, PA
Wyomissing, PA
Wyomissing, PA