Major Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (53%), home mtgs (10%), securities (3%), other (34%)
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
208 West Jefferson Street
Boise, ID 83702
Boise, ID 83702
Phone Number
(208) 275-0069
NCUA Charter Number
Website
Largest Competitors
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Boise, ID