Major Rating Factors:
Weak current capitalization (2.2 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 14.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), consumer loans (13%), other (59%)
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
123 South Marengo Avenue
Pasadena, CA 91101
Pasadena, CA 91101
Phone Number
(888) 493-7266
NCUA Charter Number
Website
Largest Competitors
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA