I.L.W.U. Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.9) profitability. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 8.5.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (24%), other (42%)
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
3447 Atlantic Avenue
Long Beach, CA 90807
Long Beach, CA 90807
Phone Number
(310) 834-6411
NCUA Charter Number
Website
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