Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.1. Good liquidity 6.4, driven by a liquidity ratio of 41.8 percent and a “hot money” ratio of 2.6 percent.
Asset Mix:
Securities (19%), home mtgs (17%), consumer loans (12%), other (52%)
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
325 South Santa Fe Avenue
Compton, CA 90221
Compton, CA 90221
Phone Number
(310) 638-5147
NCUA Charter Number
Website
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