Santa Maria Associated Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 28.5 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (8.1) profitability.
Asset Mix:
Consumer loans (64%), other (36%)
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
314 West Cook Street
Santa Maria, CA 93458
Santa Maria, CA 93458
Phone Number
(805) 925-0951x409
NCUA Charter Number
Website
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