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 26.8 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Fair asset quality (3.2).
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 21.9 percent. Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (29%), securities (9%), home mtgs (2%), other (60%)
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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