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 (4.0 on a scale of 0 to 10). Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 7.6.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Fair liquidity 4.4, driven by a liquidity ratio of 24.8 percent and a “hot money” ratio of 16.1 percent.
Asset Mix:
Home mtgs (26%), consumer loans (5%), other (69%)
Corporate Info
10120 Pacific Heights Boulevard
San Diego, CA 92121
San Diego, CA 92121
(858) 795-6000
Largest Competitors
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA