Saint Ludmilas Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 4.7 has resulted in Fair (4.8) profitability.
Other Rating Factors:
Fair liquidity 3.6, driven by a liquidity ratio of 37.5 percent and a “hot money” ratio of 0.0 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Consumer loans (77%), other (23%)
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
211 21st Avenue, SW
Cedar Rapids, IA 52404
Cedar Rapids, IA 52404
Phone Number
(319) 362-7282
NCUA Charter Number
Largest Competitors
Cedar Rapids, IA
Cedar Rapids, IA
Cedar Rapids, IA
Cedar Rapids, IA
Cedar Rapids, IA
