Major Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 11.1.
Other 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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Fair (4.2) profitability.
Asset Mix:
Home mtgs (22%), consumer loans (19%), comm loans (2%), securities (0%), other (57%)
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
300 South Glendale Avenue
Glendale, CA 91205
Glendale, CA 91205
Phone Number
(877) 695-2328
NCUA Charter Number
Website
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