St. Nicholas Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.0 and a net worth ratio of 15.0. A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Asset Mix:
Consumer loans (59%), securities (27%), home mtgs (0%), other (13%)
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
254 South Washington Street
Wilkes-Barre, PA 18701
Wilkes-Barre, PA 18701
Phone Number
(570) 825-2640
NCUA Charter Number
Website
Largest Competitors
Wilkes-Barre, PA
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