Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.7 has resulted in Fair (5.0) profitability.
Asset Mix:
Consumer loans (49%), home mtgs (11%), 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
Carson City, NV
Las Vegas, NV
Las Vegas, NV
Reno, NV