AltaOne Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Weak liquidity 2.8, driven by a liquidity ratio of 14.3 percent and a “hot money” ratio of 15.5 percent.
Asset Mix:
Consumer loans (31%), home mtgs (26%), comm loans (7%), other (37%)
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
701 South China Lake Boulevard
Ridgecrest, CA 93555
Ridgecrest, CA 93555
Phone Number
(800) 433-9727
NCUA Charter Number
Website
Largest Competitors
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Ridgecrest, CA