Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.4 and a net worth ratio of 16.4. A current level of 0.5 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 76.9 percent and a “hot money” ratio of 9.4 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.7) profitability.
Asset Mix:
Home mtgs (14%), consumer loans (9%), other (77%)
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
6347 Main Street
Cuba, NM 87013
Cuba, NM 87013
Phone Number
(575) 289-3763
NCUA Charter Number
Website
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