St. Nicholas Federal Credit Union
Major Rating Factors:
A current level of 10.4 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 33.9 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (63%), securities (27%), home mtgs (0%), other (9%)
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
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Wilkes-Barre, PA
Wilkes-Barre, PA
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Wilkes-Barre, PA