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 (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5.
Asset Mix:
Securities (18%), home mtgs (15%), consumer loans (11%), 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
1700 Pacheco Boulevard
Martinez, CA 94553
Martinez, CA 94553
Phone Number
(925) 228-4545
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
Martinez, CA
Martinez, CA
Martinez, CA