Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3.
Asset Mix:
Consumer loans (33%), home mtgs (22%), securities (13%), 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
815 North Freedom Boulevard
Provo, UT 84604
Provo, UT 84604
Phone Number
(801) 375-2120
NCUA Charter Number
Website
Largest Competitors
Riverdale, UT
Sandy, UT
Provo, UT
Provo, UT
