B
SchoolsFirst Federal Credit Union
Rating Date
November 2023
Net Capital
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Major Rating Factors: A current level of 4.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (3.8) profitability.
Asset Mix: Consumer loans (31%), home mtgs (28%), securities (20%), other (21%)
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
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Hot Money
Corporate Info
Address
2115 North Broadway
Santa Ana, CA 92706
Phone Number
(714) 258-4000
NCUA Charter Number
Weiss Ratings