Southland Credit Union
Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 8.5. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Fair (3.5) profitability.
Other Rating Factors:
A current level of 13.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (20%), comm loans (10%), other (47%)
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
10701 Los Alamitos Boulevard
Los Alamitos, CA 90720
Los Alamitos, CA 90720
Phone Number
(562) 862-6831
NCUA Charter Number
Website
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