Major Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital combined with 6.9 percent from a year earlier contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0. Fair liquidity 3.1, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 17.0 percent.
Asset Mix:
Home mtgs (36%), consumer loans (24%), other (40%)
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
Three Park Place
Dublin, CA 94568
Dublin, CA 94568
Phone Number
(800) 358-8228
NCUA Charter Number
Website
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