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 (4.1 on a scale of 0 to 10). Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 8.7.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.3). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability.
Asset Mix:
Home mtgs (33%), consumer loans (17%), other (49%)
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
7800 East Imperial Highway
Downey, CA 90242
Downey, CA 90242
Phone Number
(562) 923-0311
NCUA Charter Number
Website
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