Cities Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.0 has resulted in Weak (1.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 0.3 percent. Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.8.
Asset Mix:
Securities (36%), consumer loans (28%), home mtgs (0%), other (36%)
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
3625 Talmage Circle
Vadnais Heights, MN 55110
Vadnais Heights, MN 55110
Phone Number
(651) 426-3773
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Plymouth, MN
Saint Paul, MN
Falcon Heights, MN
Melrose, MN