Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.6 has resulted in Excellent (9.4) profitability. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Securities (42%), consumer loans (35%), home mtgs (7%), other (16%)
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
2525 East Shields Avenue
Fresno, CA 93726
Fresno, CA 93726
Phone Number
(559) 226-8282
NCUA Charter Number
Website
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