Major Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (9.0). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (7.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.9.
Asset Mix:
Consumer loans (44%), home mtgs (8%), securities (7%), other (42%)
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
2580 West Shaw Lane
Fresno, CA 93711
Fresno, CA 93711
Phone Number
(559) 252-5000
NCUA Charter Number
Website
Largest Competitors
Fresno, CA
Fresno, CA
Fresno, CA
Fresno, CA
Fresno, CA