A
SchoolsFirst Federal Credit Union
Santa Ana, CA
Data as of
June 30, 2021
Risk Based
Capital Ratio
9.75
Leverage
Ratio
9.70
Return On
Assets
0.64%
Total
Assets
25.87B
Capital
2.50B
Total
Deposits
22.80B
Net
Income
80.42M
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Major Rating Factors: A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.7.
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 (7.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Good (5.3) profitability.
Asset Mix: Securities (31%), home mtgs (23%), consumer loans (21%), other (26%)
Asset Quality
Non-Performing Loans to Capital
1.64%
Non-Performing Assets to Assets
0.17%
Non-Performing Loans to Loans
0.34%
Loan Loss Reserves to Loans
0.80%
Charge-Offs to Average Loans
0.20%
5-Year Charge-Offs to Average Loans
0.41%
5-Year Asset Growth
15.12%
1-Year Asset Growth
19.66%
Profitability
Operating Profit to Average Assets
0.64%
Return on Equity
6.54%
Net Interest Spread
2.41%
5-Year ROAA (Return on Average Assets)
0.93%
Overhead Efficiency Ratio
72.00%
Liquidity
Liquidity Ratio
24.11%
Hot Money
12.89%
Corporate Info
Address
2115 North Broadway
Santa Ana, CA 92706
Phone Number
(714) 258-4000
NCUA Charter Number
Weiss Ratings