Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 9.9 percent and a “hot money” ratio of 14.2 percent. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 7.6.
Asset Mix:
Home mtgs (56%), consumer loans (23%), securities (1%), other (20%)
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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