Ellafi Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (16%), securities (6%), other (45%)
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
Largest Competitors
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