Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.3) profitability. Good liquidity 5.6, driven by a liquidity ratio of 26.4 percent and a “hot money” ratio of 4.0 percent.
Asset Mix:
Consumer loans (21%), securities (12%), home mtgs (8%), other (59%)
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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