Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.6 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.6). Good liquidity 5.5, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 2.9 percent.
Asset Mix:
Consumer loans (46%), home mtgs (1%), other (53%)
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
202 West B Street
Ontario, CA 91762
Ontario, CA 91762
Phone Number
(909) 984-8781
NCUA Charter Number
Website
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