USX 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 11.8 and a net worth ratio of 12.5. A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 6.3 percent and a “hot money” ratio of 8.6 percent.
Asset Mix:
Consumer loans (22%), home mtgs (19%), comm loans (3%), other (55%)
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
1293 Freedom Road
Cranberry Township, PA 16066
Cranberry Township, PA 16066
Phone Number
(888) 219-3159
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Cranberry Township, PA