Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.2. A current level of 4.6 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 44.1 percent and a “hot money” ratio of 4.6 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.6) profitability.
Asset Mix:
Consumer loans (20%), home mtgs (5%), other (75%)
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
614 Alta Vista Street
Santa Fe, NM 87505
Santa Fe, NM 87505
Phone Number
(505) 982-3802
NCUA Charter Number
Website
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