Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.2 has resulted in Weak (2.2) profitability.
Other Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 10.1.
Asset Mix:
Consumer loans (33%), comm loans (22%), home mtgs (10%), other (35%)
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
12701 Schabarum Avenue
Irwindale, CA 91706
Irwindale, CA 91706
Phone Number
(626) 960-6888
NCUA Charter Number
Website
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