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 (1.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 20.3 percent and a “hot money” ratio of 8.1 percent. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Asset Mix:
Securities (34%), consumer loans (26%), home mtgs (17%), other (23%)
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
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Martinez, CA