Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10).
Other 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 6.1. Fair liquidity 4.7, driven by a liquidity ratio of 31.3 percent and a “hot money” ratio of 9.4 percent.
Asset Mix:
Securities (37%), consumer loans (32%), 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
500 N State Route 89
Prescott, AZ 86313
Prescott, AZ 86313
Phone Number
(928) 445-7970
NCUA Charter Number
Website
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