First U.S. Community Credit Union
Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 11.5.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 13.6 percent and a “hot money” ratio of 15.2 percent.
Asset Mix:
Home mtgs (28%), consumer loans (23%), securities (8%), other (40%)
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
580 University Avenue
Sacramento, CA 95825
Sacramento, CA 95825
Phone Number
(916) 576-5700
NCUA Charter Number
Website
Largest Competitors
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
