Safe and Sound

ROPER CORPORATION EMPLOYEES

LAFAYETTE, GA
4
Star Rating
ROPER CORPORATION EMPLOYEES is an NCUA-insured credit union started in 1974 and currently based in LAFAYETTE, GA. Regulatory filings show the credit union having $1.9 million in assets, as of December 31, 2017.

The credit union currently holds loans and leases worth $522,424. ROPER CORPORATION EMPLOYEES's 709 members currently have $1.6 million in shares with the credit union.

Overall, Bankrate believes that, as of December 31, 2017, ROPER CORPORATION EMPLOYEES exhibited a good condition, earning 4 out of 5 stars for safety and soundness. Keep reading for a look at how the credit union did on the three major criteria Bankrate used to grade American credit unions.

WHAT IS
SAFE AND SOUND?

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THE INSTITUTION'S SCORE

Capital Score

When it comes to measuring an institution's financial resilience, capital is key. It acts as a buffer against losses and affords protection for members when a credit union is struggling financially. When it comes to safety and soundness, the more capital, the better.

ROPER CORPORATION EMPLOYEES exceeded the national average of 15.65 points on our test to measure capital adequacy, scoring 20 out of a possible 30 points.

ROPER CORPORATION EMPLOYEES appears to be more resilient than its peers, with a capitalization ratio of 20.00 percent in our test, higher than the average for all credit unions.

Asset Quality Score

Bankrate uses this test to estimate the impact of troubled assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.

Having large numbers of these kinds of assets suggests a credit union could eventually have to use capital to absorb losses, decreasing its equity cushion. It also means that there are likely to be many assets that are in non-accrual status and no longer earning money, reducing earnings and elevating the risk of a failure in the future.

ROPER CORPORATION EMPLOYEES scored 40 out of a possible 40 points on Bankrate's asset quality test, better than the national average of 38.09.

Earnings score

How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. However, credit unions that are losing money have less ability to do those things.

ROPER CORPORATION EMPLOYEES scored 6 out of a possible 30 on Bankrate's test of earnings, below the national average of 10.11.

ROPER CORPORATION EMPLOYEES had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, a sign that it's running ahead of its peers in this area.

WHAT IS SAFE & SOUND?

Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.

Scoring methodology

Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.