Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). A current level of 25.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 8.5. Fair liquidity 3.7, driven by a liquidity ratio of 27.4 percent and a “hot money” ratio of 19.1 percent.
Asset Mix:
Home mtgs (47%), consumer loans (13%), securities (10%), other (29%)
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
3954 East Main Street
Ventura, CA 93003
Ventura, CA 93003
Phone Number
(805) 644-4657
NCUA Charter Number
Website
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