Development
Major Rating Factors:
Very Weak current capitalization (0.7 on a scale of 0 to 10) based on a net capital to total assets of 4.1 and a net worth ratio of 8.2. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 11.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), consumer loans (15%), other (53%)
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
123 South Marengo Avenue
Pasadena, CA 91101
Pasadena, CA 91101
Phone Number
(626) 535-1000
NCUA Charter Number
Website
Largest Competitors
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA
Pasadena, CA