Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (5.7). Good current capitalization (5.2 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 9.3.
Asset Mix:
Securities (43%), consumer loans (40%), cash (10%), home mtgs (3%), other (4%)
States with Branches:
AZ, NV, TX
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
United Services Automobile Association
Investment Rating
--
Address
1 Norterra Drive
Phoenix, AZ 85085
Phoenix, AZ 85085
Phone Number
(800) 531-8722
Year Founded
1983
FDIC Number
Website
Largest Affiliates
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