Stepping Stones Community 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 45.5 and a net worth ratio of 45.5. A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 34.9%, coupled with a return on assets of 34.9 has resulted in Excellent (9.8) profitability. Excellent liquidity 8.4, driven by a liquidity ratio of 162.5 percent and a “hot money” ratio of 36.0 percent.
Asset Mix:
Home mtgs (6%), consumer loans (4%), other (90%)
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
603 North Church Street
Wilmington, DE 19801
Wilmington, DE 19801
Phone Number
(302) 298-3253
NCUA Charter Number
Website
Largest Competitors
Dover, DE
Dover, DE
Wilmington, DE
Wilmington, DE
Wilmington, DE