Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.6, driven by a liquidity ratio of 9.9 percent and a “hot money” ratio of 8.0 percent. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 7.6.
Asset Mix:
Consumer loans (42%), home mtgs (31%), other (27%)
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
3110 Inland Empire Boulevard
Ontario, CA 91764
Ontario, CA 91764
Phone Number
(909) 481-2805
NCUA Charter Number
Website
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