Major Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 8.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.0 has resulted in Excellent (7.3) profitability. A current level of 10.6 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (45%), home mtgs (0%), other (54%)
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
725 North Main Street
Moab, UT 84532
Moab, UT 84532
Phone Number
(435) 259-6124
NCUA Charter Number
Website
Largest Competitors
Riverdale, UT
Sandy, UT
Ogden, UT
Provo, UT
Salt Lake City, UT