Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.6, driven by a liquidity ratio of 3.0 percent and a “hot money” ratio of 18.6 percent. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (39%), home mtgs (20%), other (41%)
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
1025 Warner Avenue
Lewiston, ID 83501
Lewiston, ID 83501
Phone Number
(208) 746-8900
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
Meridian, ID
Idaho Falls, ID
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Lewiston, ID