Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.5. A current level of 3.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2).
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 (5.5 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 28.9 percent and a “hot money” ratio of 12.4 percent.
Asset Mix:
Consumer loans (26%), securities (20%), home mtgs (19%), other (36%)
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
2101 Geer Road
Turlock, CA 95382
Turlock, CA 95382
Phone Number
(209) 634-2911
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
San Jose, CA
Sacramento, CA
San Jose, CA
Santa Rosa, CA