Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10). Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Fair (3.7) profitability. Good liquidity 5.8, driven by a liquidity ratio of 17.1 percent and a “hot money” ratio of 7.2 percent.
Asset Mix:
Consumer loans (21%), home mtgs (4%), other (76%)
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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