Major Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 25.9. Fair liquidity 4.6, driven by a liquidity ratio of 41.7 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Home mtgs (54%), consumer loans (6%), securities (3%), comm loans (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