Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 16.4 percent and a “hot money” ratio of 28.6 percent. A current level of 22.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (37%), consumer loans (20%), other (43%)
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