LOCO Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.7. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 32.1 percent and a “hot money” ratio of 23.5 percent.
Asset Mix:
Securities (44%), consumer loans (37%), other (19%)
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
808 Washington Avenue
Alamogordo, NM 88310
Alamogordo, NM 88310
Phone Number
(575) 437-3110
NCUA Charter Number
Website
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