Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.3 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (6.3). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.6.
Asset Mix:
Consumer loans (59%), securities (13%), home mtgs (2%), other (25%)
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
1420 Fairlane Road
Yreka, CA 96097
Yreka, CA 96097
Phone Number
(530) 842-1694
NCUA Charter Number
Website
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