Major 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 10.4. A current level of 13.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.7).
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 43.4 percent and a “hot money” ratio of 12.4 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (21%), comm loans (17%), home mtgs (9%), other (53%)
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
3301 Philadelphia Pike
Claymont, DE 19703
Claymont, DE 19703
Phone Number
(215) 742-9611
NCUA Charter Number
Website
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