Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (5.6) profitability. Good liquidity 5.4, driven by a liquidity ratio of 33.2 percent and a “hot money” ratio of 1.5 percent.
Asset Mix:
Consumer loans (34%), home mtgs (13%), other (53%)
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
4708 North Yellowstone Avenue
Chubbuck, ID 83202
Chubbuck, ID 83202
Phone Number
(208) 232-5746
NCUA Charter Number
Website
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