Major Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 8.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.8 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (5.5). Weak liquidity 2.3, driven by a liquidity ratio of 10.5 percent and a “hot money” ratio of 9.8 percent.
Asset Mix:
Consumer loans (38%), home mtgs (29%), other (33%)
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
151 Bernal Road
San Jose, CA 95119
San Jose, CA 95119
Phone Number
(408) 265-7322
NCUA Charter Number
Website
Largest Competitors
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
San Jose, CA
