Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 29.2 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Fair asset quality (3.0). Fair liquidity 3.2, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 18.2 percent.
Asset Mix:
Home mtgs (53%), consumer loans (18%), securities (1%), other (28%)
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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