Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability. 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:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.2 and a capital leverage ratio of 15.7. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Comm re (38%), consumer loans (25%), cash (15%), home mtgs (3%), securities (1%), other (17%)
States with Branches:
CA
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
Group Affiliation
The East Los Angeles Community Union
Investment Rating
--
Address
358 West Foothill Boulevard
Claremont, CA 91711
Claremont, CA 91711
Phone Number
(909) 450-2050
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.