Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 10.0.
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (7.4). Weak liquidity 2.8, driven by a liquidity ratio of 11.9 percent and a “hot money” ratio of 15.0 percent.
Asset Mix:
Consumer loans (44%), home mtgs (20%), other (36%)
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
630 Trade Center Drive
Las Vegas, NV 89119
Las Vegas, NV 89119
Phone Number
(702) 733-8820
NCUA Charter Number
Website
Largest Competitors
Carson City, NV
Las Vegas, NV
Las Vegas, NV
Las Vegas, NV
Las Vegas, NV