Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (23%), home mtgs (14%), securities (0%), other (63%)
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
Six Pointe Drive
Brea, CA 92821
Brea, CA 92821
Phone Number
(800) 290-1112
NCUA Charter Number
Website
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