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 (0.7 on a scale of 0 to 10). Very Weak current capitalization (0.7 on a scale of 0 to 10) based on a net capital to total assets of 4.1 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 3.0, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 21.0 percent.
Asset Mix:
Consumer loans (32%), home mtgs (10%), other (58%)
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
Valencia, CA
Dublin, CA