Major 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 (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.3 has resulted in Fair (4.2) profitability.
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 8.7.
Asset Mix:
Consumer loans (38%), home mtgs (14%), comm loans (13%), 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
2020 North Central Avenue
Phoenix, AZ 85004
Phoenix, AZ 85004
Phone Number
(602) 264-6421
NCUA Charter Number
Website
Largest Competitors
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ