Rocket City 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 15.4 and a net worth ratio of 15.4. A current level of 1.9 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Excellent (7.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (1%), other (60%)
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
2200 Clinton Avenue West
Huntsville, AL 35805
Huntsville, AL 35805
Phone Number
(256) 533-0541
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
Daleville, AL
Birmingham, AL
Huntsville, AL
