Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.3.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Excellent (7.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (41%), home mtgs (15%), securities (1%), other (43%)
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