Saint Joe Valley Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (9.6) profitability. Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.1.
Other Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9). Good liquidity 6.1, driven by a liquidity ratio of 35.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (24%), consumer loans (16%), other (60%)
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
129 South Ninth Street
Saint Maries, ID 83861
Saint Maries, ID 83861
Phone Number
(208) 245-4231
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
Lewiston, ID
Idaho Falls, ID
Meridian, ID
Idaho Falls, ID