Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0.
Other 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 (7.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (18%), other (55%)
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