Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 38.9 percent and a “hot money” ratio of 4.0 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.3.
Asset Mix:
Consumer loans (21%), home mtgs (18%), comm loans (3%), other (58%)
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
1918 West Chapman Avenue
Orange, CA 92868
Orange, CA 92868
Phone Number
(714) 704-2800
NCUA Charter Number
Website
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