Major 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 (4.3 on a scale of 0 to 10). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.3 has resulted in Excellent (7.6) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (19%), securities (5%), other (49%)
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
360 West 4800 North
Provo, UT 84604
Provo, UT 84604
Phone Number
(801) 223-8188
NCUA Charter Number
Website
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