Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 0.3 and a net worth ratio of 7.7. A current level of 51.0 percent of nonperforming loans to core capital combined with 13.2 percent from a year earlier contributes to the Very Weak asset quality (0.3).
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 (2.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (29%), home mtgs (15%), other (56%)
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
8750 Central Avenue
Montclair, CA 91763
Montclair, CA 91763
Phone Number
(800) 537-8491
NCUA Charter Number
Website
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