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 (2.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.0) profitability.
Other Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good liquidity 7.0, driven by a liquidity ratio of 45.3 percent and a “hot money” ratio of 13.6 percent.
Asset Mix:
Consumer loans (17%), home mtgs (10%), securities (3%), other (70%)
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
9389 Cherry Avenue
Fontana, CA 92335
Fontana, CA 92335
Phone Number
(909) 822-1810
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Fontana, CA