Nusenda Federal Credit Union
Major Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 7.8. Weak liquidity 3.0, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Consumer loans (29%), securities (19%), home mtgs (9%), other (43%)
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
4100 Pan American Freeway NE
Albuquerque, NM 87107
Albuquerque, NM 87107
Phone Number
(505) 889-7755
NCUA Charter Number
Website
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