Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Weak (2.4) profitability.
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (8.9). Good liquidity 6.1, driven by a liquidity ratio of 33.2 percent and a “hot money” ratio of 4.5 percent.
Asset Mix:
Consumer loans (25%), home mtgs (8%), other (68%)
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
2112 McHenry Avenue
Modesto, CA 95350
Modesto, CA 95350
Phone Number
(209) 527-8731
NCUA Charter Number
Website
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Modesto, CA
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Modesto, CA