USC Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.2) profitability. Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 9.9.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 13.6 percent and a “hot money” ratio of 7.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (28%), other (43%)
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
3720 South Flower Street
Los Angeles, CA 90007
Los Angeles, CA 90007
Phone Number
(213) 821-7100
NCUA Charter Number
Website
Largest Competitors
Los Angeles, CA
Los Angeles, CA
Los Angeles, CA
Los Angeles, CA
Los Angeles, CA