Major Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8.
Other 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 (4.7 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 11.1 percent.
Asset Mix:
Consumer loans (29%), securities (8%), home mtgs (3%), other (61%)
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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