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 (4.7 on a scale of 0 to 10). Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 9.3.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.3). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (31%), home mtgs (22%), other (47%)
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
2190 E Elliot Road
Tempe, AZ 85281
Tempe, AZ 85281
Phone Number
(480) 441-5900
NCUA Charter Number
Website
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