Watsonville Hospital 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 Weak overall stability index (1.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 19.3 percent of nonperforming loans to core capital combined with 33.4 percent from a year earlier contributes to the Weak asset quality (2.9). Fair liquidity 3.6, driven by a liquidity ratio of 15.0 percent and a “hot money” ratio of 4.4 percent.
Asset Mix:
Consumer loans (46%), securities (29%), other (25%)
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
75 Nielson Street
Watsonville, CA 95076
Watsonville, CA 95076
Phone Number
(831) 724-8098
NCUA Charter Number
Website
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