Desert Valleys Federal Credit Union
Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8. Good liquidity 5.9, driven by a liquidity ratio of 40.3 percent and a “hot money” ratio of 5.9 percent.
Asset Mix:
Consumer loans (27%), home mtgs (9%), comm loans (1%), other (62%)
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
Sacramento, CA
San Jose, CA
Valencia, CA
Ridgecrest, CA