| Weiss Ratings |
Monterey Credit Union
Monterey, CA |
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| Rating | ||||
| Asset Quality Index | 7.00 | |||
| Capitalization Index | 5.80 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 1.40 | |||
| Stability Index | 5.60 | |||
| 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 | 1.77% | |||
| 5-Year Asset Growth | 3.65% | |||
| 5-Year Charge-Offs to Average Loans | 0.55% | |||
| Charge-Offs to Average Loans | 0.75% | |||
| Non-Performing Assets to Assets | 0.83% | |||
| Non-Performing Loans to Capital | 9.34% | |||
| Non-Performing Loans to Loans | 1.02% | |||
| Balance Sheet |
Monterey Credit Union
Monterey, CA |
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| Total Assets | 308.65M | |||
| Total Deposits | 262.96M | |||
| Capital and Reserves |
Monterey Credit Union
Monterey, CA |
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| Capital | 25.40M | |||
| Leverage Ratio | 12.32 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Liquidity |
Monterey Credit Union
Monterey, CA |
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| Hot Money Ratio | 11.89% | |||
| Liquidity Ratio | 4.83% | |||
| Profitability |
Monterey Credit Union
Monterey, CA |
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| 5-Year Return on Average Assets | 0.32% | |||
| Net Income | -890.00K | |||
| Net Interest Spread | 3.54% | |||
| Operating Profit to Average Assets | -0.91% | |||
| Overhead Efficiency Ratio | 121.21% | |||
| Return on Assets | -1.19% | |||
| Return on Equity | -13.67% | |||