Community & Teachers Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2. A current level of 8.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Home mtgs (54%), consumer loans (5%), other (41%)
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
Westerly, RI