Pepco 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 Weak overall stability index (1.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability.
Other Rating Factors:
A current level of 14.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). Good liquidity 6.2, driven by a liquidity ratio of 50.5 percent and a “hot money” ratio of 19.5 percent.
Asset Mix:
Securities (32%), consumer loans (24%), 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
701 Ninth Street, NW
Washington, DC 20001
Washington, DC 20001
Phone Number
(202) 949-4712
NCUA Charter Number
Website
Largest Competitors
Washington, DC
Washington, DC
Washington, DC
Washington, DC
Washington, DC