Stepping Stones Community 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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 15.8%, coupled with a return on assets of 15.8 has resulted in Good (6.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.1 and a net worth ratio of 16.1. Excellent liquidity 8.0, driven by a liquidity ratio of 103.1 percent and a “hot money” ratio of 38.2 percent.
Asset Mix:
Consumer loans (7%), home mtgs (2%), 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