Development
Sandia Area Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (6.3) profitability.
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.8.
Asset Mix:
Consumer loans (60%), home mtgs (7%), other (33%)
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
8000 Palomas Avenue, NE
Albuquerque, NM 87109
Albuquerque, NM 87109
Phone Number
(505) 292-6343
NCUA Charter Number
Website
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Albuquerque, NM
Albuquerque, NM
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