Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Asset Mix:
Home mtgs (37%), 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
2295 Iron Point Road
Folsom, CA 95630
Folsom, CA 95630
Phone Number
(916) 979-7233
NCUA Charter Number
Website
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