Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.5 and a capital leverage ratio of 12.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.5) profitability. A current level of 13.1 percent of nonperforming loans to core capital combined with 17.2 percent from a year earlier contributes to the Fair asset quality (4.2).
Asset Mix:
Securities (22%), cash (21%), home mtgs (21%), consumer loans (12%), comm loans (5%), comm re (4%), home eq lns (4%), other (11%)
States with Branches:
GU, MP, PW
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
Group Affiliation
Marianas Finance Corporation
Investment Rating
--
Address
151 Aspinall Avenue
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 477-2671
Year Founded
1954
FDIC Number
Website
Largest Affiliates
No affiliate information available.