Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 27.5 percent and a “hot money” ratio of 0.0 percent. A current level of 13.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Asset Mix:
Consumer loans (28%), home mtgs (23%), comm loans (0%), 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
8811 Grossmont Blvd.
La Mesa, CA 91942
La Mesa, CA 91942
Phone Number
(619) 444-5656
NCUA Charter Number
Website
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