Emergency Responders Credit Union
Major Rating Factors:
A current level of 10.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. Fair liquidity 3.1, driven by a liquidity ratio of 19.3 percent and a “hot money” ratio of 12.5 percent.
Asset Mix:
Consumer loans (56%), other (44%)
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