Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (9.2) profitability. Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Asset Mix:
Consumer loans (40%), securities (9%), home mtgs (9%), other (42%)
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
4774 South 1300 West
Riverdale, UT 84405
Riverdale, UT 84405
Phone Number
(801) 627-0900
NCUA Charter Number
Website
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