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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 31.6 percent and a “hot money” ratio of 16.1 percent. Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.9.
Asset Mix:
Consumer loans (41%), securities (10%), other (49%)
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
17235 Arrow Boulevard
Fontana, CA 92335
Fontana, CA 92335
Phone Number
(909) 822-4488
NCUA Charter Number
Website
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