Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 0.0. A current level of 16.1 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Home mtgs (41%), consumer loans (30%), other (29%)
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
1115 North Eighth Avenue
Pocatello, ID 83201
Pocatello, ID 83201
Phone Number
(208) 233-5544
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
Pocatello, ID
Pocatello, ID
Pocatello, ID
Pocatello, ID