| Weiss Ratings |
1st Northern California Credit Union
Martinez, CA |
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| Rating | ||||
| Asset Quality Index | 10.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.40 | |||
| Profitability Index | 3.90 | |||
| Stability Index | 7.60 | |||
| Company Info |
1st Northern California Credit Union
Martinez, CA |
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| NCUA Charter Number | 1461 | |||
| Phone Number | (925) 228-7550 | |||
| Website | www.1stnorcalcu.org | |||
| Asset Quality |
1st Northern California Credit Union
Martinez, CA |
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| 1-Year Asset Growth | -6.53% | |||
| 5-Year Asset Growth | 2.46% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.01% | |||
| Non-Performing Loans to Capital | 0.09% | |||
| Non-Performing Loans to Loans | 0.02% | |||
| Balance Sheet |
1st Northern California Credit Union
Martinez, CA |
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| Total Assets | 782.59M | |||
| Total Deposits | 682.27M | |||
| Capital and Reserves |
1st Northern California Credit Union
Martinez, CA |
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| Capital | 92.05M | |||
| Leverage Ratio | 11.78 | |||
| Loan Loss Reserves to Loans | 0.31% | |||
| Liquidity |
1st Northern California Credit Union
Martinez, CA |
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| Hot Money Ratio | 4.87% | |||
| Liquidity Ratio | 27.85% | |||
| Profitability |
1st Northern California Credit Union
Martinez, CA |
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| 5-Year Return on Average Assets | 0.29% | |||
| Net Income | 1.23M | |||
| Net Interest Spread | 2.75% | |||
| Operating Profit to Average Assets | 0.66% | |||
| Overhead Efficiency Ratio | 75.35% | |||
| Return on Assets | 0.62% | |||
| Return on Equity | 5.40% | |||