Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability. Fair liquidity 4.9, driven by a liquidity ratio of 34.9 percent and a “hot money” ratio of 4.0 percent.
Asset Mix:
Home mtgs (60%), consumer loans (4%), other (36%)
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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