SCF Westchester N. Y. Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.8 and a net worth ratio of 20.8. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Asset Mix:
Consumer loans (27%), securities (6%), other (67%)
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
1000 Westchester Avenue
White Plains, NY 10610
White Plains, NY 10610
Phone Number
(914) 694-3421
NCUA Charter Number
Largest Competitors
Bethpage, NY
Long Island City, NY
Hauppauge, NY
White Plains, NY
White Plains, NY