Major Rating Factors:
Very Weak current capitalization (0.5 on a scale of 0 to 10) based on a net capital to total assets of 3.8 and a net worth ratio of 9.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability. Fair liquidity 4.2, driven by a liquidity ratio of 16.2 percent and a “hot money” ratio of 5.4 percent.
Asset Mix:
Consumer loans (38%), home mtgs (6%), securities (0%), other (56%)
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