B
SchoolsFirst Federal Credit Union
Data as of
March 31, 2022
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: A current level of 1.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.5. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability.
Asset Mix: Securities (27%), home mtgs (24%), consumer loans (22%), other (27%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
2115 North Broadway
Santa Ana, CA 92706
Phone Number
(714) 258-4000
NCUA Charter Number
287
Weiss Ratings