Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 8.1%, coupled with a return on assets of 5.9 has resulted in Good (6.4) profitability.
Other Rating Factors:
A current level of 8.4 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Good asset quality (6.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (54%), securities (11%), home mtgs (7%), other (28%)
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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