Jemez Valley Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 21.1 percent and a “hot money” ratio of 10.3 percent. A current level of 13.9 percent of nonperforming loans to core capital combined with 11.1 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Consumer loans (19%), home mtgs (18%), other (64%)
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
17117 Highway Four
Jemez Springs, NM 87025
Jemez Springs, NM 87025
Phone Number
(575) 829-3366
NCUA Charter Number
Website
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