Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0.
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 29.2 percent and a “hot money” ratio of 6.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (19%), home mtgs (14%), comm loans (0%), other (67%)
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
169 North Main Street
Alamo, NV 89001
Alamo, NV 89001
Phone Number
(775) 962-1804
NCUA Charter Number
Website
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