Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 0.0. A current level of 1.5 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.5 has resulted in Excellent (8.7) profitability. Good liquidity 6.4, driven by a liquidity ratio of 29.2 percent and a “hot money” ratio of 1.0 percent.
Asset Mix:
Consumer loans (26%), home mtgs (1%), 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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