Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 7.5. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.2 has resulted in Fair (4.5) profitability.
Other Rating Factors:
A current level of 11.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (32%), comm loans (1%), securities (1%), other (33%)
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
2100 Las Positas Court
Livermore, CA 94551
Livermore, CA 94551
Phone Number
(925) 447-5001
NCUA Charter Number
Website
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