Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.8 has resulted in Excellent (7.7) profitability.
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 43.4 percent and a “hot money” ratio of 5.8 percent. A current level of 6.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (48%), other (52%)
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
2809 North Stockton Hill Road
Kingman, AZ 86401
Kingman, AZ 86401
Phone Number
(928) 753-8000
NCUA Charter Number
Website
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