Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Weak current capitalization (2.0 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 7.7.
Other Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Weak (2.2) profitability. Weak liquidity 2.5, driven by a liquidity ratio of 12.1 percent and a “hot money” ratio of 25.5 percent.
Asset Mix:
Consumer loans (29%), home mtgs (16%), comm loans (15%), 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
14600 Aviation Boulevard
Hawthorne, CA 90250
Hawthorne, CA 90250
Phone Number
(310) 491-7500
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
San Jose, CA
Sacramento, CA
San Jose, CA
Santa Rosa, CA