Development
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 (4.8 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 8.9.
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability.
Asset Mix:
Home mtgs (34%), consumer loans (18%), other (47%)
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
6735 Forest Lawn Drive
Hollywood, CA 90068
Hollywood, CA 90068
Phone Number
(888) 800-3328
NCUA Charter Number
Website
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