First U.S. Community Credit Union
Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 11.7. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Asset Mix:
Home mtgs (29%), consumer loans (24%), securities (9%), other (39%)
Corporate Info
580 University Avenue
Sacramento, CA 95825
Sacramento, CA 95825
(916) 576-5700
Largest Competitors
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA