D
Balboa Thrift and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.83
Return On
Assets
-0.45%
Total
Assets
423.76M
Capital
46.10M
Total
Deposits
375.34M
Net
Income
-1.41M
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Weiss Ratings Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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Rating D
Asset Quality Index 3.80
Capitalization Index 9.80
Liquidity Index 0.10
Profitability Index 0.80
Stability Index 5.80
Company Info Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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FDIC Number 26704
Phone Number (619) 397-7700
Website www.balboathrift.com
Asset Quality Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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1-Year Asset Growth -0.46%
5-Year Asset Growth 6.07%
5-Year Charge-Offs to Average Loans 1.22%
Charge-Offs to Average Loans 2.06%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 2.82%
Non-Performing Loans to Loans 0.43%
Balance Sheet Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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Total Assets 423.76M
Total Deposits 375.34M
Capital and Reserves Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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Capital 46.10M
Leverage Ratio 10.83
Loan Loss Reserves to Loans 2.12%
Risk-Based Capital Ratio --
Liquidity Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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Hot Money Ratio 83.09%
Liquidity Ratio 9.92%
Profitability Balboa Thrift and Loan Association
Chula Vista, CA 		Click to
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5-Year Return on Average Assets 0.68%
Net Income -1.41M
Net Interest Spread 4.73%
Operating Profit to Average Assets -0.58%
Overhead Efficiency Ratio 76.73%
Return on Assets -0.45%
Return on Equity -4.00%