Mission City 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 Fair overall stability index (3.4 on a scale of 0 to 10). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (24%), 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
1391 Franklin Street
Santa Clara, CA 95050
Santa Clara, CA 95050
Phone Number
(408) 244-5818
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Santa Rosa, CA