Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.7 on a scale of 0 to 10). Very Weak current capitalization (0.9 on a scale of 0 to 10) based on a net capital to total assets of 4.3 and a net worth ratio of 6.7.
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (1.2) profitability. Weak liquidity 1.9, driven by a liquidity ratio of 9.0 percent and a “hot money” ratio of 20.4 percent.
Asset Mix:
Consumer loans (38%), home mtgs (18%), other (43%)
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
275 South Stratford Drive
Meridian, ID 83642
Meridian, ID 83642
Phone Number
(208) 884-0150
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
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