Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.0 and a net worth ratio of 0.0. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 37.1 percent and a “hot money” ratio of 16.2 percent.
Asset Mix:
Home mtgs (57%), consumer loans (5%), other (39%)
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
1441 East Chevy Chase Drive
Glendale, CA 91206
Glendale, CA 91206
Phone Number
(818) 246-7241
NCUA Charter Number
Website
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Glendale, CA
Glendale, CA
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