Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.7 and a net worth ratio of 21.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (6.8) profitability.
Asset Mix:
Consumer loans (58%), other (42%)
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
14445 Olive View Drive
Sylmar, CA 91342
Sylmar, CA 91342
Phone Number
(818) 367-1057
NCUA Charter Number
Website
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