Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (9.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 0.0. Good liquidity 5.3, driven by a liquidity ratio of 32.0 percent and a “hot money” ratio of 16.5 percent.
Asset Mix:
Home mtgs (18%), consumer loans (11%), other (71%)
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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