Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.4.
Other Rating Factors:
Good liquidity 6.9, driven by a liquidity ratio of 39.2 percent and a “hot money” ratio of 0.5 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (26%), home mtgs (0%), other (73%)
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
22777 Main Street
Hayward, CA 94541
Hayward, CA 94541
Phone Number
(510) 690-6100
NCUA Charter Number
Website
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