Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2.
Asset Mix:
Home mtgs (41%), consumer loans (19%), other (40%)
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
2133 East Center Street
Pocatello, ID 83201
Pocatello, ID 83201
Phone Number
(208) 232-7711
NCUA Charter Number
Largest Competitors
Chubbuck, ID
Pocatello, ID
Pocatello, ID
Pocatello, ID
Pocatello, ID