Major Rating Factors:
History of adequate reserve strength (6.6 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall profitability index (5.1) with operating gains in each of the last five years. Return on equity has been fair, averaging 7.2% over the past five years. Good overall results on stability tests (5.6) despite. Stability strengths include excellent operational trends and good risk diversification.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Superior liquidity (9.1) with ample operational cash flow and liquid investments.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (48.7%), homeowners (27.6%), fire (5.4%), work comp (5.1%), fin guar/surety (0.2%), other (13.0%)
Licensed in:
(No states)
Principal Investments:
Cash (50.4%), investment grade bonds (49.6%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
GCIC Building
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 477-7696
NAIC Number
13597
Website
Largest Affiliates
No affiliate information available.