1st Valley Credit Union
Major Rating Factors:
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.8 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 8.4 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Consumer loans (26%), home mtgs (12%), other (62%)
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
401 West 2nd Street
San Bernardino, CA 92401
San Bernardino, CA 92401
Phone Number
(909) 889-0838
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Bernardino, CA
San Bernardino, CA