Production (Stage)
Major Rating Factors:
Weak current capitalization (2.0 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 9.7 percent and a “hot money” ratio of 10.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (36%), home mtgs (30%), other (34%)
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