Major Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). 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.
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 19.9 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (4.7) profitability.
Asset Mix:
Comm loans (29%), consumer loans (17%), securities (11%), home mtgs (3%), 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
716 East Colorado Avenue
Nampa, ID 83686
Nampa, ID 83686
Phone Number
(208) 466-0916
NCUA Charter Number
Website
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