Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.1 and a net worth ratio of 14.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 20.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Fair liquidity 3.4, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 19.4 percent.
Asset Mix:
Home mtgs (44%), consumer loans (6%), 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
18425 South Western Avenue
Gardena, CA 90248
Gardena, CA 90248
Phone Number
(310) 324-1544
NCUA Charter Number
Website
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