Development
ZIA 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 (4.7 on a scale of 0 to 10). Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 8.1.
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (7.0). Weak liquidity 2.4, driven by a liquidity ratio of 6.9 percent and a “hot money” ratio of 17.0 percent.
Asset Mix:
Consumer loans (41%), home mtgs (22%), securities (0%), other (37%)
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
1001 Central Avenue
Los Alamos, NM 87544
Los Alamos, NM 87544
Phone Number
(505) 662-4671
NCUA Charter Number
Website
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