Major Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.6). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Securities (38%), consumer loans (36%), home mtgs (7%), other (19%)
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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Fresno, CA
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