Development
One Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 5.9 percent and a “hot money” ratio of 5.3 percent. Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 8.0.
Asset Mix:
Consumer loans (36%), home mtgs (22%), other (42%)
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
380 River Street
Springfield, VT 05156
Springfield, VT 05156
Phone Number
(802) 886-4228
NCUA Charter Number
Website
Largest Competitors
Williston, VT
South Burlington, VT
South Burlington, VT
Rutland, VT
Barre, VT