Saint Joe Valley Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (8.9). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Excellent (8.4) profitability.
Asset Mix:
Home mtgs (25%), consumer loans (19%), other (57%)
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
Meridian, ID
Idaho Falls, ID
Mountain Home, ID