Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.2, driven by a liquidity ratio of 3.9 percent and a “hot money” ratio of 23.1 percent. A current level of 16.1 percent of nonperforming loans to core capital combined with 18.0 percent from a year earlier contributes to the Fair asset quality (4.0).
Asset Mix:
Consumer loans (49%), home mtgs (16%), other (36%)
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
555 North Fifth Avenue
Pocatello, ID 83201
Pocatello, ID 83201
Phone Number
(208) 233-4395
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
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Pocatello, ID