Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Excellent (7.1) profitability. Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.9.
Other Rating Factors:
A current level of 12.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), comm loans (20%), consumer loans (17%), securities (6%), other (33%)
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
2575 Vista Del Mar Drive
Ventura, CA 93001
Ventura, CA 93001
Phone Number
(805) 477-4000
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Jose, CA
Ventura, CA