Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.2.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.4) profitability. Good liquidity 6.1, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 8.3 percent.
Asset Mix:
Consumer loans (20%), home mtgs (10%), other (70%)
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
266 South Magnolia Avenue
El Cajon, CA 92020
El Cajon, CA 92020
Phone Number
(619) 579-0941
NCUA Charter Number
Website
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