SCA Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.7 and a net worth ratio of 17.7. A current level of 2.4 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (9.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (7.0) profitability. Good liquidity 5.8, driven by a liquidity ratio of 42.9 percent and a “hot money” ratio of 11.0 percent.
Asset Mix:
Consumer loans (34%), home mtgs (8%), other (57%)
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
2656 Ellwood Road
New Castle, PA 16101
New Castle, PA 16101
Phone Number
(724) 658-2686
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
New Castle, PA
New Castle, PA
New Castle, PA
New Castle, PA