Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 12.9 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.5.
Asset Mix:
Consumer loans (25%), home mtgs (21%), comm 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
275 South Fifth Avenue
Pocatello, ID 83201
Pocatello, ID 83201
Phone Number
(208) 235-7100
NCUA Charter Number
Website
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