Major Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 17.1 percent and a “hot money” ratio of 18.1 percent.
Asset Mix:
Consumer loans (30%), home mtgs (26%), securities (18%), other (25%)
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
15332 Newport Ave
Tustin, CA 92780
Tustin, CA 92780
Phone Number
(714) 258-4000
NCUA Charter Number
Website
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