Pinal County Federal Credit Union
Major Rating Factors:
Very Weak current capitalization (0.5 on a scale of 0 to 10) based on a net capital to total assets of 3.9 and a net worth ratio of 7.1. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.0 has resulted in Weak (1.7) profitability.
Other 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 (3.1 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 12.7 percent and a “hot money” ratio of 5.1 percent.
Asset Mix:
Consumer loans (46%), home mtgs (8%), other (46%)
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
1000 East Florence Boulevard
Casa Grande, AZ 85122
Casa Grande, AZ 85122
Phone Number
(520) 381-3100
NCUA Charter Number
Website
Largest Competitors
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