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 46.5 and a net worth ratio of 46.5. Operating profits as a percentage of assets at 21.1%, coupled with a return on assets of 21.1 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). Excellent liquidity 8.3, driven by a liquidity ratio of 158.8 percent and a “hot money” ratio of 35.1 percent.
Asset Mix:
Home mtgs (10%), consumer loans (4%), comm loans (1%), other (86%)
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