Major Rating Factors:
Weak current capitalization (2.8 on a scale of 0 to 10) based on a net capital to total assets of 5.2 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 Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.6) profitability. Fair liquidity 4.8, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 4.4 percent.
Asset Mix:
Consumer loans (17%), home mtgs (5%), securities (1%), other (77%)
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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