Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (6%), comm loans (0%), securities (0%), other (61%)
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
3600 Coffee Road
Modesto, CA 95355
Modesto, CA 95355
Phone Number
(209) 572-3600
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Modesto, CA
Modesto, CA
Modesto, CA
Modesto, CA