Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.1. A current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Excellent (7.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (16%), comm loans (15%), other (45%)
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
5890 Silver Creek Valley Road
San Jose, CA 95138
San Jose, CA 95138
Phone Number
(408) 531-3100
NCUA Charter Number
Website
Largest Competitors
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA