Major Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 11.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (7.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), consumer loans (18%), other (49%)
Corporate Info
10325 Meanley Drive
San Diego, CA 92131
San Diego, CA 92131
(858) 524-2850
Largest Competitors
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA