Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 4.1%, coupled with a return on assets of 0.5 has resulted in Good (6.3) profitability.
Asset Mix:
Home mtgs (21%), consumer loans (9%), other (70%)
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
4926 La Cuenta Drive
San Diego, CA 92124
San Diego, CA 92124
Phone Number
(619) 283-5477
NCUA Charter Number
Website
Largest Competitors
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA
San Diego, CA