Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 0.0. Fair liquidity 3.6, driven by a liquidity ratio of 28.7 percent and a “hot money” ratio of 16.4 percent.
Asset Mix:
Consumer loans (20%), home mtgs (17%), other (64%)
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
1024 West Foothill Boulevard
Upland, CA 91786
Upland, CA 91786
Phone Number
(909) 986-4552
NCUA Charter Number
Website
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