Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (1.2) profitability.
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3. A current level of 2.8 percent of nonperforming loans to core capital combined with 11.4 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Consumer loans (39%), home mtgs (17%), securities (1%), 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
430 12th Street
Modesto, CA 95354
Modesto, CA 95354
Phone Number
(209) 521-2020
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Modesto, CA
Modesto, CA
Modesto, CA
Modesto, CA