Major Rating Factors:
A current level of 6.8 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (6.4 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.
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 (5.9 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 17.6 percent.
Asset Mix:
Consumer loans (42%), home mtgs (12%), other (46%)
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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