Major Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 10.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.5 has resulted in Good (5.4) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 29.4 percent and a “hot money” ratio of 8.6 percent.
Asset Mix:
Consumer loans (38%), securities (7%), home mtgs (4%), other (52%)
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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