Major Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 10.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (47%), home mtgs (9%), comm loans (0%), 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
10150 West Desert River Boulevard
Glendale, AZ 85305
Glendale, AZ 85305
Phone Number
(602) 631-3200
NCUA Charter Number
Website
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