Winston-Salem 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 Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 12.6. A current level of 4.3 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (18%), home mtgs (13%), other (69%)
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
711 East Salem Avenue
Winston-Salem, NC 27101
Winston-Salem, NC 27101
Phone Number
(336) 727-2663
NCUA Charter Number
Website
Largest Competitors
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC