Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.9 and a net worth ratio of 13.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7). Good liquidity 5.3, driven by a liquidity ratio of 44.1 percent and a “hot money” ratio of 6.8 percent.
Asset Mix:
Consumer loans (54%), other (46%)
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
792 South 200 West
Blanding, UT 84511
Blanding, UT 84511
Phone Number
(435) 678-2124
NCUA Charter Number
Website
Largest Competitors
Ogden, UT
Sandy, UT
Washington Terrace, UT
Provo, UT
Salt Lake City, UT