Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Excellent (9.3) profitability. A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 9.4. 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).
Asset Mix:
Comm loans (33%), home mtgs (21%), consumer loans (14%), other (32%)
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
6850 North Oracle Road
Tucson, AZ 85704
Tucson, AZ 85704
Phone Number
(520) 887-5010
NCUA Charter Number
Website
Largest Competitors
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ