Major 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 (2.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 17.0 percent and a “hot money” ratio of 14.9 percent. A current level of 24.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (18%), 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
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