Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 21.5 percent. Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.4.
Asset Mix:
Consumer loans (42%), home mtgs (14%), other (45%)
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
302 East Lakeview Parkway
Provo, UT 84606
Provo, UT 84606
Phone Number
(801) 374-1170
NCUA Charter Number
Website
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