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SchoolsFirst Federal Credit Union
Data as of
December 31, 2021
Risk Based
Capital Ratio
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Assets
Capital
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Major Rating Factors: A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 9.7 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 (7.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Good (5.2) profitability.
Asset Mix: Securities (30%), home mtgs (24%), consumer loans (21%), other (25%)
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)
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Liquidity Ratio
Hot Money
Corporate Info
Address
2115 North Broadway
Santa Ana, CA 92706
Phone Number
(714) 258-4000
NCUA Charter Number
Weiss Ratings