Community & Teachers 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 11.6 and a net worth ratio of 11.6. A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 38.7 percent and a “hot money” ratio of 3.6 percent.
Asset Mix:
Home mtgs (46%), comm loans (9%), consumer loans (6%), other (39%)
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