Major Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Good (6.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). 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.
Asset Mix:
Consumer loans (51%), home mtgs (7%), other (42%)
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
2800 South Mill Avenue
Tempe, AZ 85282
Tempe, AZ 85282
Phone Number
(480) 967-9475
NCUA Charter Number
Website
Largest Competitors
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Tucson, AZ
Tempe, AZ