Mission City Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Excellent asset quality (9.0). Weak liquidity 2.7, driven by a liquidity ratio of 13.9 percent and a “hot money” ratio of 18.3 percent.
Asset Mix:
Consumer loans (25%), home mtgs (22%), other (52%)
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
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