| Weiss Ratings |
Monterey Credit Union
Monterey, CA |
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| Rating | ||||
| Asset Quality Index | 7.00 | |||
| Capitalization Index | 4.40 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 0.50 | |||
| Stability Index | 3.90 | |||
| Company Info |
Monterey Credit Union
Monterey, CA |
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| NCUA Charter Number | 3364 | |||
| Phone Number | (831) 647-1000 | |||
| Website | www.montereycu.com | |||
| Asset Quality |
Monterey Credit Union
Monterey, CA |
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| 1-Year Asset Growth | 7.37% | |||
| 5-Year Asset Growth | 4.85% | |||
| 5-Year Charge-Offs to Average Loans | 0.48% | |||
| Charge-Offs to Average Loans | 0.53% | |||
| Non-Performing Assets to Assets | 0.64% | |||
| Non-Performing Loans to Capital | 8.62% | |||
| Non-Performing Loans to Loans | 0.72% | |||
| Balance Sheet |
Monterey Credit Union
Monterey, CA |
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| Total Assets | 352.62M | |||
| Total Deposits | 311.22M | |||
| Capital and Reserves |
Monterey Credit Union
Monterey, CA |
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| Capital | 23.65M | |||
| Leverage Ratio | 9.27 | |||
| Loan Loss Reserves to Loans | 0.89% | |||
| Liquidity |
Monterey Credit Union
Monterey, CA |
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| Hot Money Ratio | 25.33% | |||
| Liquidity Ratio | 3.78% | |||
| Profitability |
Monterey Credit Union
Monterey, CA |
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| 5-Year Return on Average Assets | 0.03% | |||
| Net Income | -2.49M | |||
| Net Interest Spread | 3.57% | |||
| Operating Profit to Average Assets | -0.57% | |||
| Overhead Efficiency Ratio | 113.43% | |||
| Return on Assets | -0.98% | |||
| Return on Equity | -14.14% | |||