Upward Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.3) profitability.
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Good asset quality (6.6). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (17%), home mtgs (14%), other (69%)
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
1860 El Camino Real
Burlingame, CA 94010
Burlingame, CA 94010
Phone Number
(650) 231-1300
NCUA Charter Number
Website
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