Major Rating Factors:
Very Weak current capitalization (0.2 on a scale of 0 to 10) based on a net capital to total assets of 3.4 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (1.4) profitability.
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 (2.9 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 22.5 percent and a “hot money” ratio of 4.1 percent.
Asset Mix:
Consumer loans (16%), home mtgs (4%), securities (0%), other (79%)
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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