Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 12.4. Fair liquidity 3.3, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 15.3 percent.
Asset Mix:
Consumer loans (27%), home mtgs (19%), other (54%)
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
9201 Spectrum Center Boulevard
San Diego, CA 92123
San Diego, CA 92123
Phone Number
(858) 495-1600
NCUA Charter Number
Website
Largest Competitors
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
