Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.4 on a scale of 0 to 10). Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Excellent (8.9) profitability. A current level of 0.2 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Consumer loans (64%), securities (14%), home mtgs (6%), other (15%)
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
1021 North Williamson Avenue
Winslow, AZ 86047
Winslow, AZ 86047
Phone Number
(928) 289-2962
NCUA Charter Number
Website
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