Major Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (19%), other (42%)
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
4710 Mountain Lakes Blvd.
Redding, CA 96003
Redding, CA 96003
Phone Number
(530) 222-6060
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Dublin, CA