Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
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 0.0. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.5 has resulted in Fair (4.7) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (13%), other (42%)
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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