Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.5. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.3 has resulted in Fair (4.9) profitability.
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 27.7 percent and a “hot money” ratio of 10.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (22%), comm loans (15%), home mtgs (11%), 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
(302) 798-7749
NCUA Charter Number
Website
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