Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.6 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 8.3. Fair liquidity 4.8, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Home mtgs (19%), consumer loans (13%), comm loans (4%), other (64%)
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
3457 Deer Valley Road
Antioch, CA 94531
Antioch, CA 94531
Phone Number
(925) 331-1010
NCUA Charter Number
Website
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