Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Fair liquidity 4.0, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 6.7 percent.
Asset Mix:
Consumer loans (27%), home mtgs (19%), comm loans (5%), other (49%)
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
4911 East Broadway Boulevard
Tucson, AZ 85711
Tucson, AZ 85711
Phone Number
(520) 795-7950
NCUA Charter Number
Website
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Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ