Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability. Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 10.5.
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2). Fair liquidity 4.2, driven by a liquidity ratio of 18.9 percent and a “hot money” ratio of 6.4 percent.
Asset Mix:
Consumer loans (25%), home mtgs (19%), comm loans (3%), other (52%)
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
Largest Competitors
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ
Tucson, AZ