Springfield Street Railway Employees Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 2.7 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 29.7 and a net worth ratio of 30.1. Excellent liquidity 7.6, driven by a liquidity ratio of 97.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (32%), other (68%)
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
640 Page Boulevard
Springfield, MA 01104
Springfield, MA 01104
Phone Number
(413) 781-4454
NCUA Charter Number
Largest Competitors
Springfield, MA
Springfield, MA
Springfield, MA
Springfield, MA
Springfield, MA