Westmark Credit Union
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 1.3 has resulted in Good (5.1) profitability.
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.0). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.4.
Asset Mix:
Consumer loans (35%), home mtgs (21%), other (44%)
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
2520 Channing Way
Idaho Falls, ID 83404
Idaho Falls, ID 83404
Phone Number
(208) 528-8315
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
Lewiston, ID
Meridian, ID
Idaho Falls, ID
Idaho Falls, ID