USC Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 10.0. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Fair (4.6) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), consumer loans (28%), other (37%)
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 90089
Los Angeles, CA 90089
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