Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 9.4. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.2 has resulted in Fair (4.0) profitability.
Other Rating Factors:
A current level of 16.6 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Good asset quality (5.6). Fair liquidity 3.8, driven by a liquidity ratio of 11.5 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Consumer loans (39%), securities (9%), home mtgs (4%), other (48%)
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
5222 West Cypress Avenue
Visalia, CA 93277
Visalia, CA 93277
Phone Number
(559) 737-5900
NCUA Charter Number
Website
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