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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A current level of 8.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Home mtgs (65%), consumer loans (4%), comm loans (1%), other (30%)
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
One Angwin Plaza
Angwin, CA 94508
Angwin, CA 94508
Phone Number
(707) 965-2483
NCUA Charter Number
Website
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