Marin County Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. A current level of 8.6 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Good liquidity 5.2, driven by a liquidity ratio of 29.9 percent and a “hot money” ratio of 9.3 percent.
Asset Mix:
Consumer loans (12%), home mtgs (3%), other (85%)
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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