Major Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Excellent asset quality (8.1). Weak liquidity 2.4, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 13.4 percent.
Asset Mix:
Consumer loans (41%), home mtgs (16%), other (43%)
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
300 North K Street
Tulare, CA 93274
Tulare, CA 93274
Phone Number
(559) 686-1791
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Dublin, CA