North Bay Credit Union
Major Rating Factors:
A current level of 58.5 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
Very Weak liquidity 1.0, driven by a liquidity ratio of 7.0 percent and a “hot money” ratio of 19.5 percent. Weak current capitalization (2.6 on a scale of 0 to 10) based on a net capital to total assets of 5.1 and a net worth ratio of 5.1.
Asset Mix:
Home mtgs (62%), comm loans (21%), consumer loans (1%), other (16%)
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