Marin County Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 12.1. A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Excellent (7.0) profitability. Good liquidity 5.5, driven by a liquidity ratio of 32.4 percent and a “hot money” ratio of 16.1 percent.
Asset Mix:
Consumer loans (10%), home mtgs (3%), other (87%)
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
30 North San Pedro Road
San Rafael, CA 94903
San Rafael, CA 94903
Phone Number
(415) 499-9780
NCUA Charter Number
Website
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