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). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7.
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Excellent (8.0) profitability.
Asset Mix:
Home mtgs (50%), consumer loans (25%), other (26%)
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
Ogden, UT
Sandy, UT
Washington Terrace, UT
Ogden, UT
Ogden, UT