Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Weak current capitalization (2.8 on a scale of 0 to 10) based on a net capital to total assets of 5.2 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 8.5 percent and a “hot money” ratio of 17.6 percent. A current level of 20.0 percent of nonperforming loans to core capital combined with 16.9 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (34%), home mtgs (19%), other (48%)
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
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Meridian, ID