Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.4) profitability. Weak current capitalization (1.6 on a scale of 0 to 10) based on a net capital to total assets of 4.7 and a net worth ratio of 0.0.
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 (2.8 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 19.2 percent and a “hot money” ratio of 10.1 percent.
Asset Mix:
Consumer loans (21%), home mtgs (10%), securities (0%), other (69%)
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
8237 Third Street
Downey, CA 90241
Downey, CA 90241
Phone Number
(562) 862-8141
NCUA Charter Number
Website
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