Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 14.2 percent and a “hot money” ratio of 10.1 percent. Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (30%), securities (24%), home mtgs (20%), other (26%)
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
1785 Arnold Drive
Martinez, CA 94553
Martinez, CA 94553
Phone Number
(925) 524-5000
NCUA Charter Number
Website
Largest Competitors
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Martinez, CA