Ambraw 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 (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.1) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.8). Good liquidity 6.9, driven by a liquidity ratio of 24.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (23%), other (77%)
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
2300 West Lexington Avenue
Lawrenceville, IL 62439
Lawrenceville, IL 62439
Phone Number
(618) 943-2913
NCUA Charter Number
Website
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