Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 33.0 percent and a “hot money” ratio of 1.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (37%), home mtgs (15%), securities (3%), 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
409 West Center Street
Manteca, CA 95336
Manteca, CA 95336
Phone Number
(209) 825-5878
NCUA Charter Number
Website
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