Chula Vista City Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.6 on a scale of 0 to 10). A current level of 8.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6).
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 10.9 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 9.6%, coupled with a return on assets of 9.6 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (55%), other (45%)
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
276 Fourth Avenue
Chula Vista, CA 91910
Chula Vista, CA 91910
Phone Number
(619) 691-5240
NCUA Charter Number
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