Major Rating Factors:
Fair current capitalization (3.1 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 19.7 percent and a “hot money” ratio of 5.1 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.4 has resulted in Good (6.1) profitability.
Asset Mix:
Consumer loans (16%), home mtgs (2%), securities (1%), other (81%)
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
1511 Cravens Avenue
Torrance, CA 90501
Torrance, CA 90501
Phone Number
(310) 618-9111
NCUA Charter Number
Website
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