Strata Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.6). Fair liquidity 3.2, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 4.9 percent.
Asset Mix:
Consumer loans (47%), home mtgs (18%), other (35%)
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
1717 Truxtun Avenue
Bakersfield, CA 93301
Bakersfield, CA 93301
Phone Number
(661) 327-9461
NCUA Charter Number
Website
Largest Competitors
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