Major Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Excellent (9.8) profitability. Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.9.
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (7.5). 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:
Consumer loans (43%), securities (11%), home mtgs (5%), other (41%)
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
4774 South 1300 West
Riverdale, UT 84405
Riverdale, UT 84405
Phone Number
(801) 627-0900
NCUA Charter Number
Website
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