Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (31%), consumer loans (14%), securities (8%), other (47%)
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
9420 Farnham Street
San Diego, CA 92123
San Diego, CA 92123
Phone Number
(858) 495-3400
NCUA Charter Number
Website
Largest Competitors
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA