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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.1 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Excellent asset quality (7.7). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 8.6.
Asset Mix:
Home mtgs (34%), consumer loans (12%), other (55%)
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
5615 Chesbro Avenue
San Jose, CA 95123
San Jose, CA 95123
Phone Number
(408) 972-5222
NCUA Charter Number
Website
Largest Competitors
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
