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 (4.9 on a scale of 0 to 10). Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 8.7.
Other Rating Factors:
A current level of 0.6 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (10.0). Weak liquidity 2.6, driven by a liquidity ratio of 9.4 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Home mtgs (41%), consumer loans (16%), other (43%)
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
177 East Colorado Boulevard
Pasadena, CA 91105
Pasadena, CA 91105
Phone Number
(800) 894-1200
NCUA Charter Number
Website
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Pasadena, CA
Pasadena, CA
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Pasadena, CA
Pasadena, CA