Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.4.
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (4.9) profitability. Fair liquidity 4.7, driven by a liquidity ratio of 19.1 percent and a “hot money” ratio of 2.1 percent.
Asset Mix:
Consumer loans (27%), home mtgs (27%), securities (4%), 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
12620 Erickson Avenue
Downey, CA 90242
Downey, CA 90242
Phone Number
(562) 803-6401
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
Downey, CA
Downey, CA