Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 13.1. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 8.3, driven by a liquidity ratio of 90.4 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (7.7) profitability.
Asset Mix:
Consumer loans (16%), other (84%)
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
783 West Highway 40
Vernal, UT 84078
Vernal, UT 84078
Phone Number
(435) 789-8353
NCUA Charter Number
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