Valley Strong Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.6. A current level of 15.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
Asset Mix:
Home mtgs (28%), consumer loans (15%), comm loans (10%), other (47%)
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
11500 Bolthouse Drive
Bakersfield, CA 93311
Bakersfield, CA 93311
Phone Number
(661) 833-7900
NCUA Charter Number
Website
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