Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.8. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.9 has resulted in Excellent (10.0) profitability.
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 (9.0 on a scale of 0 to 10). A current level of 6.3 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (66%), home mtgs (3%), securities (2%), other (30%)
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
1602 West Main Street
El Centro, CA 92243
El Centro, CA 92243
Phone Number
(760) 352-1540
NCUA Charter Number
Website
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