Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.5.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 7.5 percent and a “hot money” ratio of 9.3 percent.
Asset Mix:
Home mtgs (29%), securities (21%), consumer loans (10%), other (39%)
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
9040 Benson Avenue
Montclair, CA 91763
Montclair, CA 91763
Phone Number
(909) 946-4096
NCUA Charter Number
Website
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