Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Good (5.5) profitability. Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (31%), home mtgs (28%), 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
3333 Clares Street
Capitola, CA 95010
Capitola, CA 95010
Phone Number
(831) 479-6000
NCUA Charter Number
Website
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