Major Rating Factors:
Very Weak current capitalization (0.1 on a scale of 0 to 10) based on a net capital to total assets of 3.3 and a net worth ratio of 7.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.0 has resulted in Weak (1.6) profitability. Weak liquidity 2.3, driven by a liquidity ratio of 3.1 percent and a “hot money” ratio of 6.7 percent.
Asset Mix:
Consumer loans (21%), home mtgs (9%), other (70%)
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
2500 East 22nd Street
Tucson, AZ 85713
Tucson, AZ 85713
Phone Number
(520) 881-6262
NCUA Charter Number
Website
Largest Competitors
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ