Major Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.3). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 9.4.
Asset Mix:
Home mtgs (26%), consumer loans (16%), securities (7%), other (50%)
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
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