HollyFrontier Employee's Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 31.2 and a net worth ratio of 31.3. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Excellent (9.0) profitability.
Asset Mix:
Consumer loans (75%), other (25%)
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
876 West Heritage Point Lane
West Bountiful, UT 84087
West Bountiful, UT 84087
Phone Number
(801) 298-1024
NCUA Charter Number
Largest Competitors
Riverdale, UT
Sandy, UT
Ogden, UT
Provo, UT
Salt Lake City, UT