Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Excellent (9.0) profitability. A current level of 1.9 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.9. 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:
Consumer loans (31%), home mtgs (26%), 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
P.O. Box 2268
Boise, ID 83701
Boise, ID 83701
Phone Number
(208) 388-2138
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
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Boise, ID