Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Fair liquidity 3.6, driven by a liquidity ratio of 18.4 percent and a “hot money” ratio of 15.7 percent. A current level of 23.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (17%), home mtgs (11%), comm loans (2%), 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
Largest Competitors
Tustin, CA
San Jose, CA
Sacramento, CA
Downey, CA
Downey, CA