Community & Teachers Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. A current level of 8.1 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Home mtgs (51%), consumer loans (5%), 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
1169 South Broadway
East Providence, RI 02914
East Providence, RI 02914
Phone Number
(401) 438-7788
NCUA Charter Number
Website
Largest Competitors
Smithfield, RI
Pawtucket, RI
Warwick, RI
Middletown, RI
Wakefield, RI