Valley Agricultural Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.4, driven by a liquidity ratio of 48.8 percent and a “hot money” ratio of 0.0 percent. A current level of 7.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Asset Mix:
Consumer loans (43%), other (57%)
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
1141 Cummings Road
Santa Paula, CA 93060
Santa Paula, CA 93060
Phone Number
(805) 525-9989
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
San Jose, CA
Sacramento, CA
San Jose, CA
Santa Rosa, CA