Major Rating Factors:
Very Weak current capitalization (0.6 on a scale of 0 to 10) based on a net capital to total assets of 4.0 and a net worth ratio of 7.5.
Other 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). A current level of 28.8 percent of nonperforming loans to core capital combined with 28.8 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (28%), home mtgs (10%), other (62%)
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
14600 Aviation Boulevard
Hawthorne, CA 90250
Hawthorne, CA 90250
Phone Number
(310) 491-7500
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Diego, CA
Sunnyvale, CA