Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.2. A current level of 13.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.7).
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 39.6 percent and a “hot money” ratio of 8.4 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.3 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (23%), comm loans (15%), home mtgs (11%), other (51%)
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
(302) 798-7749
NCUA Charter Number
Website
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