Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.3 and a net worth ratio of 18.1. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.5 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (22%), home mtgs (20%), securities (3%), comm loans (2%), other (53%)
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
1040 Leigh Avenue
San Jose, CA 95126
San Jose, CA 95126
Phone Number
(408) 275-8595
NCUA Charter Number
Website
Largest Competitors
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA