Development
Community First Credit Union
Major 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). Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 9.3.
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Good asset quality (5.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (49%), home mtgs (16%), other (35%)
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
1105 North Dutton Avenue
Santa Rosa, CA 95401
Santa Rosa, CA 95401
Phone Number
(707) 546-6000
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
Santa Rosa, CA
Santa Rosa, CA
Santa Rosa, CA