Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 14.5. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (10.0).
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 (9.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 3.8 has resulted in Excellent (8.9) profitability.
Asset Mix:
Consumer loans (20%), home mtgs (10%), other (70%)
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
2645 South Mojave Road
Las Vegas, NV 89121
Las Vegas, NV 89121
Phone Number
(702) 457-1000
NCUA Charter Number
Website
Largest Competitors
Carson City, NV
Las Vegas, NV
Las Vegas, NV
Las Vegas, NV
Las Vegas, NV