Desert Valleys Federal Credit Union
Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1.
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Good (6.4) profitability. Good liquidity 5.9, driven by a liquidity ratio of 41.2 percent and a “hot money” ratio of 6.8 percent.
Asset Mix:
Consumer loans (27%), home mtgs (9%), comm loans (1%), other (63%)
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
100 East Ward Avenue
Ridgecrest, CA 93555
Ridgecrest, CA 93555
Phone Number
(760) 446-3500
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
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Ridgecrest, CA