Major Rating Factors:
A current level of 20.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.5). 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:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.5 has resulted in Excellent (10.0) profitability. Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8.
Asset Mix:
Consumer loans (41%), home mtgs (17%), securities (12%), comm loans (1%), other (28%)
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
180 North 300 East
Roosevelt, UT 84066
Roosevelt, UT 84066
Phone Number
(435) 722-3795
NCUA Charter Number
Website
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