Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). 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 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (5.9) profitability. Fair liquidity 4.6, driven by a liquidity ratio of 20.6 percent and a “hot money” ratio of 20.7 percent.
Asset Mix:
Consumer loans (20%), securities (11%), home mtgs (3%), other (67%)
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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