Major Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Good (5.7) profitability. Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 9.1.
Asset Mix:
Consumer loans (37%), home mtgs (1%), other (61%)
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
1880 South Cobalt Point Way
Meridian, ID 83642
Meridian, ID 83642
Phone Number
(208) 437-6583
NCUA Charter Number
Website
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