Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability. A current level of 22.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 8.1. Fair liquidity 3.5, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 17.4 percent.
Asset Mix:
Home mtgs (49%), consumer loans (15%), securities (5%), other (30%)
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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