EP 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 (1.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 16.9 percent and a “hot money” ratio of 4.9 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 8.3.
Asset Mix:
Home mtgs (29%), consumer loans (17%), 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
301 13th Streets, SW
Washington, DC 20228
Washington, DC 20228
Phone Number
(202) 318-1991
NCUA Charter Number
Website
Largest Competitors
Washington, DC
Washington, DC
Washington, DC
Washington, DC
Washington, DC