Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.7). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.2.
Other Rating Factors:
Good liquidity 5.9, driven by a liquidity ratio of 31.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (5.5) profitability.
Asset Mix:
Home mtgs (21%), consumer loans (17%), other (62%)
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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