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 (2.9 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 (0.1) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (9.6). Good liquidity 6.8, driven by a liquidity ratio of 40.0 percent and a “hot money” ratio of 13.4 percent.
Asset Mix:
Consumer loans (17%), home mtgs (10%), securities (4%), other (69%)
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
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