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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 23.8 percent and a “hot money” ratio of 17.3 percent. A current level of 10.9 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Consumer loans (57%), home mtgs (2%), other (41%)
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
1270 Giuntoli Lane
Arcata, CA 95521
Arcata, CA 95521
Phone Number
(707) 822-5902
NCUA Charter Number
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Santa Rosa, CA