Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0). Fair liquidity 3.9, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 17.8 percent.
Asset Mix:
Consumer loans (18%), home mtgs (15%), comm loans (4%), securities (0%), other (62%)
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
879 West 190th Street
Gardena, CA 90248
Gardena, CA 90248
Phone Number
(310) 808-4000
NCUA Charter Number
Website
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