Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.9 and a net worth ratio of 22.0. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.8 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 (9.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (5.4) profitability.
Asset Mix:
Home mtgs (22%), consumer loans (9%), securities (4%), other (65%)
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
990 South Fair Oaks Avenue
Pasadena, CA 91105
Pasadena, CA 91105
Phone Number
(626) 799-6000
NCUA Charter Number
Website
Largest Competitors
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA