Major Rating Factors:
Very Weak current capitalization (0.8 on a scale of 0 to 10) based on a net capital to total assets of 4.2 and a net worth ratio of 12.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 6.1 percent and a “hot money” ratio of 20.0 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (3.0) profitability.
Asset Mix:
Comm loans (41%), consumer loans (21%), home mtgs (8%), other (30%)
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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