Major Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.6 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (15%), comm loans (7%), other (38%)
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
1005 West Orangeburg Avenue
Modesto, CA 95350
Modesto, CA 95350
Phone Number
(209) 549-8500
NCUA Charter Number
Website
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