Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.2 has resulted in Excellent (7.9) profitability. Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7.
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 (5.7 on a scale of 0 to 10). A current level of 14.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5).
Asset Mix:
Consumer loans (66%), securities (13%), home mtgs (2%), other (19%)
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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