Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 0.0. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.6 has resulted in Good (6.6) profitability. Good liquidity 5.1, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 1.3 percent.
Asset Mix:
Consumer loans (38%), home mtgs (15%), securities (3%), other (44%)
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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