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 (2.3 on a scale of 0 to 10). Weak current capitalization (2.5 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 19.8 percent and a “hot money” ratio of 8.9 percent.
Asset Mix:
Consumer loans (25%), home mtgs (2%), other (73%)
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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