La Loma Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Fair liquidity 4.0, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 11.1 percent.
Asset Mix:
Consumer loans (30%), home mtgs (19%), comm loans (5%), securities (1%), other (46%)
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
26151 Mayberry Street
Loma Linda, CA 92354
Loma Linda, CA 92354
Phone Number
(909) 796-0206
NCUA Charter Number
Website
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