Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 26.5 percent from a year earlier contributes to the Excellent asset quality (10.0). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.8.
Asset Mix:
Home mtgs (38%), consumer loans (22%), securities (7%), other (33%)
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
1200 Columbia Avenue
Riverside, CA 92507
Riverside, CA 92507
Phone Number
(951) 781-5600
NCUA Charter Number
Website
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