Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.3.
Other Rating Factors:
Excellent liquidity 7.9, driven by a liquidity ratio of 69.0 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (22%), home mtgs (2%), 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
375 11th Street
Oakland, CA 94607
Oakland, CA 94607
Phone Number
(510) 287-0467
NCUA Charter Number
Website
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