Huntington Beach Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.1 and a net worth ratio of 13.1. A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 6.9, driven by a liquidity ratio of 40.4 percent and a “hot money” ratio of 7.3 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.4 has resulted in Good (6.4) profitability.
Asset Mix:
Consumer loans (10%), home mtgs (5%), securities (1%), other (84%)
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
2000 Main Street
Huntington Beach, CA 92648
Huntington Beach, CA 92648
Phone Number
(714) 536-6517
NCUA Charter Number
Website
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