Major Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 9.0. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Fair liquidity 4.4, driven by a liquidity ratio of 13.8 percent and a “hot money” ratio of 0.7 percent.
Asset Mix:
Consumer loans (14%), home mtgs (10%), comm loans (7%), other (69%)
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
919 North Center Street
Stockton, CA 95202
Stockton, CA 95202
Phone Number
(209) 444-5300
NCUA Charter Number
Website
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