Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (55%), home mtgs (4%), securities (0%), 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
604 Bryden Avenue
Lewiston, ID 83501
Lewiston, ID 83501
Phone Number
(208) 746-7233
NCUA Charter Number
Website
Largest Competitors
Chubbuck, ID
Lewiston, ID
Idaho Falls, ID
Meridian, ID
Idaho Falls, ID