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 14.7. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Weak (2.7) profitability.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Weak liquidity 2.0, driven by a liquidity ratio of 5.9 percent and a “hot money” ratio of 17.4 percent.
Asset Mix:
Comm loans (39%), consumer loans (22%), home mtgs (8%), other (31%)
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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