Major Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 10.9. A current level of 9.4 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 0.3 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (60%), home mtgs (8%), securities (3%), other (29%)
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
1911 M Street
Merced, CA 95340
Merced, CA 95340
Phone Number
(209) 723-4285
NCUA Charter Number
Website
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