Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (9.5). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (13%), securities (1%), other (52%)
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
13304 East Alondra Boulevard
Cerritos, CA 90703
Cerritos, CA 90703
Phone Number
(562) 229-9181
NCUA Charter Number
Website
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