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 Very Weak overall stability index (0.3 on a scale of 0 to 10). Weak current capitalization (1.3 on a scale of 0 to 10) based on a net capital to total assets of 4.6 and a net worth ratio of 7.8.
Other Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.3) profitability. Fair liquidity 3.3, driven by a liquidity ratio of 10.2 percent and a “hot money” ratio of 4.0 percent.
Asset Mix:
Home mtgs (31%), consumer loans (21%), other (48%)
Largest Competitors
Washington, DC
Washington, DC
Washington, DC
Washington, DC
Washington, DC