C
City Credit Union
Rating Date
May 2024
Net Capital
Ratio
21.46
Leverage
Ratio
21.46
Return On
Assets
0.54%
Total
Assets
21.49M
Capital
4.61M
Total
Deposits
15.27M
Net
Income
29.00K
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Weiss Ratings
City Credit Union
Tuscaloosa, AL
Low
City Credit Union
Industry Average
High
Asset Quality Index
8.70
0.00
10.00
Capitalization Index
10.00
0.00
10.00
Liquidity Index
4.60
0.30
9.70
Profitability Index
3.30
0.00
10.00
Stability Index
7.90
0.00
10.00
Asset Quality
City Credit Union
Tuscaloosa, AL
Low
City Credit Union
Industry Average
High
1-Year Asset Growth
-1.04%
< -10.00%
> 0.00%
5-Year Asset Growth
3.51%
< 0.00%
> 20.00%
5-Year Charge-Offs to Average Loans
0.22%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.22%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.00%
0.00%
> 10.00%
Non-Performing Loans to Capital
0.00%
0.00%
> 20.00%
Non-Performing Loans to Loans
0.00%
0.00%
> 10.00%
Balance Sheet
City Credit Union
Tuscaloosa, AL
Low
City Credit Union
Industry Average
High
Total Assets
21.49M
< 21.49M
> 1.00B
Total Deposits
15.27M
< 15.27M
> 841.23M
Capital and Reserves
City Credit Union
Tuscaloosa, AL
Low
City Credit Union
Industry Average
High
Capital
4.61M
< 4.61M
> 90.66M
Leverage Ratio
21.46
0.00
> 30.00
Loan Loss Reserves to Loans
1.99%
0.00%
> 10.00%
Risk-Based Capital Ratio
21.46
< 0.00
> 30.00
Liquidity
City Credit Union
Tuscaloosa, AL
Low
City Credit Union
Industry Average
High
Hot Money Ratio
0.00%
0.00%
> 20.00%
Liquidity Ratio
22.88%
< 10.00%
> 60.00%
Profitability
City Credit Union
Tuscaloosa, AL
Low
City Credit Union
Industry Average
High
5-Year Return on Average Assets
0.66%
< 0.00%
> 10.00%
Net Income
29.00K
< 29.00K
> 1.63M
Net Interest Spread
3.13%
< 0.00%
> 10.00%
Operating Profit to Average Assets
1.04%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
75.00%
< 40.00%
> 170.00%
Return on Assets
0.54%
< 0.00%
> 10.00%
Return on Equity
2.52%
< 0.00%
> 10.00%
Weiss Ratings