Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.7 and a net worth ratio of 0.0. A current level of 2.7 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 23.6 percent and a “hot money” ratio of 14.4 percent.
Asset Mix:
Consumer loans (16%), home mtgs (1%), other (83%)
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
135 S. State College Blvd.
Brea, CA 92821
Brea, CA 92821
Phone Number
(714) 671-5700
NCUA Charter Number
Website
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