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). Weak current capitalization (1.7 on a scale of 0 to 10) based on a net capital to total assets of 4.7 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 1.5, driven by a liquidity ratio of 7.1 percent and a “hot money” ratio of 19.0 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (18%), other (44%)
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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Meridian, ID