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 (5.0 on a scale of 0 to 10). A current level of 2.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 23.9 and a net worth ratio of 23.9. Operating profits as a percentage of assets at 4.8%, coupled with a return on assets of 4.5 has resulted in Excellent (10.0) profitability.
Asset Mix:
Consumer loans (71%), other (29%)
Corporate Info
1317 West Warner Avenue
Santa Ana, CA 92704
Santa Ana, CA 92704
(714) 754-7675
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