North Bay Credit Union
Major Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Good asset quality (6.4). Weak liquidity 1.5, driven by a liquidity ratio of 8.0 percent and a “hot money” ratio of 20.0 percent.
Asset Mix:
Home mtgs (49%), consumer loans (1%), other (50%)
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
397 Aviation Boulevard
Santa Rosa, CA 95403
Santa Rosa, CA 95403
Phone Number
(707) 584-0384
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
Santa Rosa, CA
Santa Rosa, CA
Santa Rosa, CA