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). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (5.4) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2.
Asset Mix:
Home mtgs (40%), consumer loans (28%), other (32%)
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
1250 Country Hills Drive
Ogden, UT 84403
Ogden, UT 84403
Phone Number
(801) 392-4877
NCUA Charter Number
Website
Largest Competitors
Riverdale, UT
Sandy, UT
Ogden, UT
Ogden, UT
Ogden, UT
