Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability. A current level of 20.0 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (49%), comm re (14%), securities (12%), comm loans (2%), cash (2%), other (21%)
States with Branches:
AZ
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
Goldwater Bancorp, Inc.
Investment Rating
--
Address
2525 East Camelback Road
Phoenix, AZ 85016
Phoenix, AZ 85016
Phone Number
(480) 281-8200
Year Founded
2007
FDIC Number
Website
Largest Affiliates
No affiliate information available.