Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Excellent (7.9) profitability. A current level of 7.8 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (6.7).
Other 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 (4.9 on a scale of 0 to 10). Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (23%), home mtgs (23%), other (54%)
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