Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.4) profitability. A current level of 9.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 32.7 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (49%), other (51%)
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
736 East 17th Street
Burley, ID 83318
Burley, ID 83318
Phone Number
(208) 219-0726
NCUA Charter Number
Largest Competitors
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