Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 7.9.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.7) profitability.
Asset Mix:
Home mtgs (40%), consumer loans (10%), 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
2151 East Gonzales Road
Oxnard, CA 93036
Oxnard, CA 93036
Phone Number
(805) 988-2151
NCUA Charter Number
Website
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