Major Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 10.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), consumer loans (17%), securities (7%), 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
670 North Rosemead Boulevard
Pasadena, CA 91107
Pasadena, CA 91107
Phone Number
(626) 351-9651
NCUA Charter Number
Website
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Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA