Weiss Ratings
Comenity Capital Bank
Draper, UT
Draper, UT
Low
Comenity Capital Bank
Industry Average
High
Asset Quality Index
1.50
0.00
10.00
Capitalization Index
10.00
0.00
10.00
Liquidity Index
1.10
0.00
9.40
Profitability Index
6.60
0.00
10.00
Stability Index
9.80
0.00
10.00
Asset Quality
Comenity Capital Bank
Draper, UT
Draper, UT
Low
Comenity Capital Bank
Industry Average
High
1-Year Asset Growth
7.49%
< 0.00%
> 20.00%
5-Year Asset Growth
8.29%
< 0.00%
> 40.00%
5-Year Charge-Offs to Average Loans
5.75%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
9.15%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
1.38%
0.00%
> 10.00%
Non-Performing Loans to Capital
14.99%
0.00%
> 20.00%
Non-Performing Loans to Loans
1.65%
0.00%
> 10.00%
Balance Sheet
Comenity Capital Bank
Draper, UT
Draper, UT
Low
Comenity Capital Bank
Industry Average
High
Total Assets
12.67B
< 2.61B
> 12.67B
Total Deposits
9.53B
< 1.89B
> 9.53B
Capital and Reserves
Comenity Capital Bank
Draper, UT
Draper, UT
Low
Comenity Capital Bank
Industry Average
High
Capital
2.02B
< 258.37M
> 2.02B
Leverage Ratio
15.72
4.63
> 30.00
Loan Loss Reserves to Loans
12.35%
0.00%
17.91%
Risk-Based Capital Ratio
19.49
8.94
> 40.00
Liquidity
Comenity Capital Bank
Draper, UT
Draper, UT
Low
Comenity Capital Bank
Industry Average
High
Hot Money Ratio
28.98%
0.00%
> 40.00%
Liquidity Ratio
23.37%
< 10.00%
> 60.00%
Profitability
Comenity Capital Bank
Draper, UT
Draper, UT
Low
Comenity Capital Bank
Industry Average
High
5-Year Return on Average Assets
2.27%
< 0.00%
> 10.00%
Net Income
178.36M
< 14.94M
> 178.36M
Net Interest Spread
17.05%
< 0.00%
> 20.00%
Operating Profit to Average Assets
3.79%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
49.16%
< 30.00%
> 150.00%
Return on Assets
2.80%
< 0.00%
> 10.00%
Return on Equity
18.11%
< 0.00%
> 30.00%
