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 (2.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.7 and a net worth ratio of 13.7. A current level of 6.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Asset Mix:
Securities (33%), consumer loans (26%), home mtgs (17%), comm loans (2%), other (22%)
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