Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 1.2 has resulted in Good (6.5) profitability. Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 11.2.
Asset Mix:
Consumer loans (18%), securities (14%), home mtgs (6%), other (62%)
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
148 North 48th Street
Phoenix, AZ 85034
Phoenix, AZ 85034
Phone Number
(602) 433-7000
NCUA Charter Number
Website
Largest Competitors
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ