Development
USC Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Weak (2.9) profitability. Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 9.6.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 16.7 percent and a “hot money” ratio of 7.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (27%), other (45%)
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
3720 South Flower Street
Los Angeles, CA 90007
Los Angeles, CA 90007
Phone Number
(213) 821-7100
NCUA Charter Number
Website
Largest Competitors
Los Angeles, CA
Los Angeles, CA
Los Angeles, CA
Los Angeles, CA
Los Angeles, CA