Major Rating Factors:
                             Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). 
                        
                    
                            Other Rating Factors:
                             Operating profits as a percentage of assets at 3.5%, coupled with a return on assets of 2.7 has resulted in Excellent (9.5) profitability. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.2). 
                        
                    
                            Asset Mix:
                            Securities (47%), comm re (17%), consumer loans (9%), cash (5%), comm loans (4%), other (19%)
                        
                    
                            States with Branches:
                             UT
                        
                    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
                        Group Affiliation
                            UnitedHealth Group Incorporated
                        Investment Rating
                            
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                        Address
                            
                                12921 South Vista Station Boulevard 
Draper, UT 84020
                        Draper, UT 84020
Phone Number
                            (866) 234-8913
                        Year Founded
                              2003
                        FDIC Number
                            
                        Website
                            
                        Largest Affiliates
                                No affiliate information available.