Major Rating Factors:
Weak current capitalization (2.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 8.5.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 20.7 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Securities (45%), consumer loans (39%), cash (8%), home mtgs (2%), home eq lns (1%), other (6%)
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
FDIC Number
Website
Largest Affiliates
No affiliate information available.