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 (4.6 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 Weak (1.7) profitability.
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital combined with 11.6 percent from a year earlier contributes to the Good asset quality (6.2). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 7.8.
Asset Mix:
Home mtgs (38%), consumer loans (31%), other (31%)
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
1110 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