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 (3.6 on a scale of 0 to 10). Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 11.5.
Other Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Weak (1.7) profitability.
Asset Mix:
Home mtgs (35%), consumer loans (24%), other (41%)
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
231 Route 4
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 472-8210
NCUA Charter Number
Website
Largest Competitors
Maite, GU