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). A current level of 27.8 percent of nonperforming loans to core capital contributes to the Weak asset quality (3.0).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 8.2 percent and a “hot money” ratio of 23.8 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 8.4.
Asset Mix:
Consumer loans (26%), securities (5%), home mtgs (2%), other (67%)
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
2355 Crenshaw Boulevard
Torrance, CA 90501
Torrance, CA 90501
Phone Number
(310) 320-4588
NCUA Charter Number
Website
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