Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Weak (1.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 19.5 percent and a “hot money” ratio of 11.6 percent. Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.9.
Asset Mix:
Consumer loans (67%), securities (9%), other (24%)
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
Five Miles North of Soledad
Soledad, CA 93960
Soledad, CA 93960
Phone Number
(831) 678-2631
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Santa Rosa, CA