Major Rating Factors:
Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.5 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A current level of 9.5 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (6.4). Fair liquidity 4.2, driven by a liquidity ratio of 20.7 percent and a “hot money” ratio of 5.6 percent.
Asset Mix:
Consumer loans (28%), home mtgs (20%), other (53%)
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