Valley Strong Credit Union
Major Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.0 percent of nonperforming loans to core capital combined with 11.4 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Good (5.9) profitability.
Asset Mix:
Home mtgs (30%), consumer loans (18%), other (52%)
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
11500 Bolthouse Drive
Bakersfield, CA 93311
Bakersfield, CA 93311
Phone Number
(661) 833-7900
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Bakersfield, CA
Bakersfield, CA
Bakersfield, CA
Bakersfield, CA
