First American Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (10.0) profitability. A current level of 1.8 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 10.0. Good liquidity 5.1, driven by a liquidity ratio of 33.9 percent and a “hot money” ratio of 2.5 percent.
Asset Mix:
Consumer loans (48%), home mtgs (4%), securities (1%), other (48%)
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
1001 North Pinal Avenue
Casa Grande, AZ 85122
Casa Grande, AZ 85122
Phone Number
(520) 836-8838
NCUA Charter Number
Website
Largest Competitors
Phoenix, AZ
Phoenix, AZ
Phoenix, AZ
Tucson, AZ
Casa Grande, AZ