Major Rating Factors:
A current level of 0.9 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 (7.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 12.9. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (30%), home mtgs (20%), other (50%)
Corporate Info
9201 Spectrum Center Boulevard
San Diego, CA 92123
San Diego, CA 92123
(858) 495-1600
Largest Competitors
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA