Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 8.7.
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Asset Mix:
Consumer loans (21%), home mtgs (15%), comm loans (4%), other (61%)
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
15458 North 28th Avenue
Phoenix, AZ 85053
Phoenix, AZ 85053
Phone Number
(623) 580-6000
NCUA Charter Number
Website
Largest Competitors
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ