Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.2) profitability. Weak current capitalization (1.3 on a scale of 0 to 10) based on a net capital to total assets of 4.6 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 17.0 percent and a “hot money” ratio of 27.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (33%), home mtgs (10%), other (57%)
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
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