Emergency Responders Credit Union
Major Rating Factors:
A current level of 23.5 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Weak asset quality (2.4). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Weak (1.9) profitability.
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. 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 (61%), other (39%)
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