Major Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). 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 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 28.1 percent and a “hot money” ratio of 17.1 percent.
Asset Mix:
Home mtgs (19%), consumer loans (11%), other (70%)
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
2650 Harrison Avenue
Eureka, CA 95501
Eureka, CA 95501
Phone Number
(707) 445-8801
NCUA Charter Number
Website
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