Emergency Responders Credit Union
Major Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (57%), other (43%)
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
1777 Link Road
Winston-Salem, NC 27103
Winston-Salem, NC 27103
Phone Number
(336) 723-0619
NCUA Charter Number
Website
Largest Competitors
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC