Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 2.2 and a net worth ratio of 7.4.
Other 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 (1.7 on a scale of 0 to 10). A current level of 34.0 percent of nonperforming loans to core capital combined with 18.0 percent from a year earlier contributes to the Weak asset quality (2.9).
Asset Mix:
Consumer loans (41%), home mtgs (15%), securities (3%), other (41%)
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
4242 Gigling Road
Seaside, CA 93955
Seaside, CA 93955
Phone Number
(831) 393-3480
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Diego, CA
Sunnyvale, CA