Major Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.0 has resulted in Excellent (9.2) profitability. Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). A current level of 5.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (49%), home mtgs (12%), comm loans (1%), other (39%)
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
9770 South Virginia Street
Reno, NV 89511
Reno, NV 89511
Phone Number
(775) 333-4228
NCUA Charter Number
Website
Largest Competitors
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