Major Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Good (5.1) profitability.
Asset Mix:
Home mtgs (37%), consumer loans (22%), 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
2295 Iron Point Road
Folsom, CA 95630
Folsom, CA 95630
Phone Number
(916) 979-7233
NCUA Charter Number
Website
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