Vocality Community Credit Union
Major Rating Factors:
A current level of 40.1 percent of nonperforming loans to core capital combined with 20.8 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
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). Weak liquidity 2.9, driven by a liquidity ratio of 16.9 percent and a “hot money” ratio of 12.2 percent.
Asset Mix:
Consumer loans (38%), home mtgs (36%), other (26%)
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
757 Redwood Drive
Garberville, CA 95542
Garberville, CA 95542
Phone Number
(707) 923-2012
NCUA Charter Number
Website
Largest Competitors
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