Major Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Weak liquidity 2.4, driven by a liquidity ratio of 13.6 percent and a “hot money” ratio of 14.2 percent.
Asset Mix:
Consumer loans (39%), home mtgs (17%), other (44%)
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
2480 North Arcadia Avenue
Tucson, AZ 85712
Tucson, AZ 85712
Phone Number
(520) 298-7882
NCUA Charter Number
Website
Largest Competitors
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ