Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Good (5.1) profitability.
Asset Mix:
Home mtgs (24%), consumer loans (17%), other (59%)
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
1641 North First Street
San Jose, CA 95112
San Jose, CA 95112
Phone Number
(408) 282-0700
NCUA Charter Number
Website
Largest Competitors
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
