Major Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 7.5. 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 8.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (42%), comm loans (25%), consumer loans (7%), other (27%)
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
2151 E. Gonzales Rd.
Oxnard, CA 93036
Oxnard, CA 93036
Phone Number
(805) 988-2151
NCUA Charter Number
Website
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