Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.6 and a net worth ratio of 24.2. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.8 has resulted in Excellent (8.4) profitability. Good liquidity 5.6, driven by a liquidity ratio of 55.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (53%), other (47%)
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
35 Cajon Street
Redlands, CA 92373
Redlands, CA 92373
Phone Number
(909) 798-7626
NCUA Charter Number
Website
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