Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 37.7 percent and a “hot money” ratio of 3.3 percent. Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (23%), home mtgs (19%), 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
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Valencia, CA
Dublin, CA