Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 15.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (3.7) profitability.
Asset Mix:
Home mtgs (26%), consumer loans (25%), other (49%)
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
250 North Canyons Parkway
Livermore, CA 94551
Livermore, CA 94551
Phone Number
(925) 454-4000
NCUA Charter Number
Website
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