Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.6). Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 12.8.
Asset Mix:
Consumer loans (30%), home mtgs (30%), other (40%)
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
1355 Willow Way
Concord, CA 94520
Concord, CA 94520
Phone Number
(925) 609-5000
NCUA Charter Number
Website
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