Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 6.6. Fair liquidity 4.2, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (28%), home mtgs (27%), securities (15%), other (31%)
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
634 Ferry Street
Martinez, CA 94553
Martinez, CA 94553
Phone Number
(510) 845-6428
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
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Martinez, CA
Martinez, CA
Martinez, CA