Sacramento 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 current level of 0.4 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (6.7) profitability.
Asset Mix:
Consumer loans (25%), securities (24%), home mtgs (17%), other (35%)
Largest Competitors
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA