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 (9.4 on a scale of 0 to 10). A current level of 5.6 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.2 has resulted in Good (6.2) profitability. Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (58%), consumer loans (5%), securities (3%), other (34%)
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
Largest Competitors
Tustin, CA
Modesto, CA
Modesto, CA
Modesto, CA
Modesto, CA