Major Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 14.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 15.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.0). Weak liquidity 2.0, driven by a liquidity ratio of 6.5 percent and a “hot money” ratio of 16.3 percent.
Asset Mix:
Comm loans (35%), consumer loans (25%), home mtgs (9%), 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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