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 (2.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 10.8 percent and a “hot money” ratio of 13.7 percent. Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (25%), comm loans (20%), home mtgs (19%), other (36%)
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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