1st Ed Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 15.4.
Asset Mix:
Home mtgs (16%), consumer loans (13%), other (71%)
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
1156 Kennebec Drive
Chambersburg, PA 17201
Chambersburg, PA 17201
Phone Number
(717) 264-6506
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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Chambersburg, PA