Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (9%), other (63%)
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
1780 South First Avenue
Yuma, AZ 85364
Yuma, AZ 85364
Phone Number
(928) 783-8881
NCUA Charter Number
Website
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