Rio Grande Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.7 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 0.0. Fair liquidity 4.5, driven by a liquidity ratio of 27.7 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Consumer loans (40%), home mtgs (11%), securities (4%), other (45%)
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
1211 Fourth Street, NW
Albuquerque, NM 87102
Albuquerque, NM 87102
Phone Number
(505) 262-1401
NCUA Charter Number
Website
Largest Competitors
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