Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Excellent (7.4) profitability.
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), consumer loans (23%), comm loans (14%), other (35%)
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
2355 West Pinnacle Peak Road
Phoenix, AZ 85027
Phoenix, AZ 85027
Phone Number
(602) 467-4081
NCUA Charter Number
Website
Largest Competitors
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ