First Financial Credit Union
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 (4.4 on a scale of 0 to 10). Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 8.9.
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (6.1). Fair liquidity 3.4, driven by a liquidity ratio of 16.8 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Consumer loans (49%), home mtgs (9%), securities (1%), other (40%)
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
4910 Union Way, NE
Albuquerque, NM 87107
Albuquerque, NM 87107
Phone Number
(505) 766-5600
NCUA Charter Number
Website
Largest Competitors
Albuquerque, NM
Albuquerque, NM
Albuquerque, NM
Albuquerque, NM
Albuquerque, NM