Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.2) profitability. Weak current capitalization (2.4 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 9.0.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 19.4 percent and a “hot money” ratio of 14.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (20%), home mtgs (17%), securities (0%), other (63%)
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
879 West 190th Street
Gardena, CA 90248
Gardena, CA 90248
Phone Number
(310) 808-4000
NCUA Charter Number
Website
Largest Competitors
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