Eagle Community Credit Union
Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.4). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.0.
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 (6.2 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 20.1 percent and a “hot money” ratio of 14.6 percent.
Asset Mix:
Consumer loans (39%), home mtgs (1%), 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
27042 Towne Centre Drive
Foothill Ranch, CA 92610
Foothill Ranch, CA 92610
Phone Number
(949) 588-9400
NCUA Charter Number
Website
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