Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 27.0 percent and a “hot money” ratio of 0.0 percent. A current level of 6.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Asset Mix:
Consumer loans (77%), other (23%)
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
39 South Main Street
Manti, UT 84642
Manti, UT 84642
Phone Number
(435) 835-2261
NCUA Charter Number
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