Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.7.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 29.4 percent and a “hot money” ratio of 3.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (60%), consumer loans (4%), comm loans (1%), other (35%)
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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