Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 15.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.0).
Other Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Fair (4.0) profitability. Fair liquidity 4.5, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 24.1 percent.
Asset Mix:
Consumer loans (57%), home mtgs (2%), other (41%)
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
1270 Giuntoli Lane
Arcata, CA 95521
Arcata, CA 95521
Phone Number
(707) 822-5902
NCUA Charter Number
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