Deseret First Federal Credit Union
Major Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (6.6) profitability.
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), comm loans (21%), consumer loans (20%), other (34%)
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
3999 West Parkway Boulevard
West Valley City, UT 84120
West Valley City, UT 84120
Phone Number
(801) 456-7000
NCUA Charter Number
Website
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