Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 9.1.
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.9). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (31%), home mtgs (18%), other (50%)
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
2847 Campus Parkway
Riverside, CA 92507
Riverside, CA 92507
Phone Number
(888) 883-7228
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Diego, CA
Riverside, CA