Development
Discovery Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (10.0). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 10.7.
Asset Mix:
Consumer loans (18%), home mtgs (16%), other (66%)
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
2744 Century Boulevard
Wyomissing, PA 19610
Wyomissing, PA 19610
Phone Number
(610) 372-8010
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Wyomissing, PA
Wyomissing, PA
Wyomissing, PA