Major Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.8 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 35.4 percent and a “hot money” ratio of 12.0 percent.
Asset Mix:
Consumer loans (17%), home mtgs (17%), other (66%)
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
8101 East Kaiser Boulevard
Anaheim, CA 92808
Anaheim, CA 92808
Phone Number
(866) 287-6225
NCUA Charter Number
Website
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