Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). A current level of 6.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 25.2. Fair liquidity 4.6, driven by a liquidity ratio of 41.2 percent and a “hot money” ratio of 17.2 percent.
Asset Mix:
Home mtgs (53%), consumer loans (6%), securities (3%), comm loans (3%), other (35%)
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
2504 Tenaya Drive
Modesto, CA 95354
Modesto, CA 95354
Phone Number
(877) 369-2828
NCUA Charter Number
Website
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Modesto, CA
Modesto, CA
Modesto, CA