Valley Agricultural Federal Credit Union

Weiss Ratings	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	3.80
Capitalization Index	7.10
Liquidity Index	5.50
Profitability Index	0.70
Stability Index	3.70

Company Info	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	3236
Phone Number	(805) 525-9989
Website	www.valleyagfcu.org

Asset Quality	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-5.99%
5-Year Asset Growth	-0.39%
5-Year Charge-Offs to Average Loans	0.36%
Charge-Offs to Average Loans	1.01%
Non-Performing Assets to Assets	1.60%
Non-Performing Loans to Capital	15.98%
Non-Performing Loans to Loans	2.29%

Balance Sheet	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
Total Assets	5.07M
Total Deposits	4.58M

Capital and Reserves	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
Capital	483.00K
Leverage Ratio	9.52
Loan Loss Reserves to Loans	0.83%

Liquidity	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	45.87%

Profitability	Valley Agricultural Federal Credit Union Santa Paula, CA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	-0.06%
Net Income	-51.00K
Net Interest Spread	4.24%
Operating Profit to Average Assets	-0.11%
Overhead Efficiency Ratio	102.63%
Return on Assets	-0.96%
Return on Equity	-9.81%