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 (2.9 on a scale of 0 to 10). Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 10.4.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 13.9 percent and a “hot money” ratio of 4.7 percent. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.3 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (21%), other (47%)
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