Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Fair (4.9) profitability. 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 8.6.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), consumer loans (31%), other (37%)
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
4400 Central Way
Chubbuck, ID 83202
Chubbuck, ID 83202
Phone Number
(208) 239-3000
NCUA Charter Number
Website
Largest Competitors
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