UPS Credit Union, Inc.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 14.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (4.6).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 30.8 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 3.3 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (67%), other (33%)
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
644 Linn Street
Cincinnati, OH 45203
Cincinnati, OH 45203
Phone Number
(513) 241-2892
NCUA Charter Number
Largest Competitors
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH
Cincinnati, OH