Major Rating Factors:
Very Weak current capitalization (0.6 on a scale of 0 to 10) based on a net capital to total assets of 3.9 and a net worth ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.4) profitability. Fair liquidity 4.6, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 7.5 percent.
Asset Mix:
Consumer loans (16%), home mtgs (16%), other (67%)
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
10 South Muroc Drive
Edwards, CA 93524
Edwards, CA 93524
Phone Number
(661) 952-5945
NCUA Charter Number
Website
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