Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 0.0.
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). Weak liquidity 2.4, driven by a liquidity ratio of 7.7 percent and a “hot money” ratio of 27.9 percent.
Asset Mix:
Consumer loans (34%), home mtgs (26%), securities (0%), other (39%)
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
450 Route Eight
Maite, GU 96910
Maite, GU 96910
Phone Number
(671) 477-8736
NCUA Charter Number
Website
Largest Competitors
Hagatna, GU