Nusenda Federal Credit Union
Major Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (4.0) profitability.
Asset Mix:
Consumer loans (28%), comm loans (25%), securities (13%), home mtgs (11%), other (22%)
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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