Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.9 and a net worth ratio of 19.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Good liquidity 5.9, driven by a liquidity ratio of 47.6 percent and a “hot money” ratio of 16.0 percent.
Asset Mix:
Consumer loans (49%), other (51%)
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
14445 Olive View Drive
Sylmar, CA 91342
Sylmar, CA 91342
Phone Number
(818) 367-1057
NCUA Charter Number
Website
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