Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.2). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.2) profitability. Good liquidity 5.8, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (20%), consumer loans (16%), other (63%)
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
701 West 18th Street
Antioch, CA 94509
Antioch, CA 94509
Phone Number
(925) 757-0237
NCUA Charter Number
Website
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