Major Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 11.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (25%), home mtgs (24%), other (50%)
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Diego, CA
Sunnyvale, CA