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 (5.0 on a scale of 0 to 10). A current level of 4.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 31.7 and a net worth ratio of 31.7. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.5 has resulted in Excellent (9.6) profitability.
Asset Mix:
Consumer loans (66%), 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
876 West Heritage Point Lane
West Bountiful, UT 84087
West Bountiful, UT 84087
Phone Number
(801) 298-1024
NCUA Charter Number
Largest Competitors
Ogden, UT
Sandy, UT
Washington Terrace, UT
Provo, UT
Salt Lake City, UT