Major Rating Factors:
Operating profits as a percentage of assets at 3.9%, coupled with a return on assets of 3.2 has resulted in Excellent (10.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 10.6. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (7.8).
Asset Mix:
Securities (50%), comm re (16%), cash (7%), consumer loans (5%), comm loans (3%), other (18%)
States with Branches:
UT
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
Group Affiliation
UnitedHealth Group Incorporated
Investment Rating
--
Address
12921 South Vista Station Boulevard
Draper, UT 84020
Draper, UT 84020
Phone Number
(866) 234-8913
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.