Major Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 10.3. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (3.9) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (27%), securities (19%), other (21%)
Corporate Info
15332 Newport Ave
Tustin, CA 92780
Tustin, CA 92780
(714) 258-4000
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