Ellafi Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 7.3. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Fair (3.7) profitability.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Weak liquidity 2.7, driven by a liquidity ratio of 8.5 percent and a “hot money” ratio of 12.3 percent.
Asset Mix:
Consumer loans (28%), home mtgs (18%), securities (5%), comm loans (0%), other (49%)
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
524 South Main Street
Middletown, CT 06457
Middletown, CT 06457
Phone Number
(860) 346-6614
NCUA Charter Number
Website
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