Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.6 has resulted in Fair (4.8) profitability.
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 0.0 percent. A current level of 9.9 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Fair asset quality (5.0).
Asset Mix:
Consumer loans (80%), other (20%)
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
56 North State Street
Orem, UT 84057
Orem, UT 84057
Phone Number
(801) 229-7168
NCUA Charter Number
Website
Largest Competitors
Riverdale, UT
Sandy, UT
Ogden, UT
Provo, UT
Orem, UT