Development
Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 9.4. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier 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 a Good overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), consumer loans (24%), other (43%)
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
1278 Rocky Point Drive
Oceanside, CA 92056
Oceanside, CA 92056
Phone Number
(760) 631-8700
NCUA Charter Number
Website
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