Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (8.8) profitability. A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (28%), other (43%)
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
3103 East Saint Lukes Street
Meridian, ID 83642
Meridian, ID 83642
Phone Number
(208) 388-2138
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
Lewiston, ID
Meridian, ID
Meridian, ID
Meridian, ID