Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 48.7 and a capital leverage ratio of 12.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 87.0 percent and a “hot money” ratio of 16.9 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (6.0) profitability.
Asset Mix:
Securities (40%), cash (37%), consumer loans (8%), comm re (5%), comm loans (4%), home mtgs (2%), other (4%)
States with Branches:
FM
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
Investment Rating
--
Address
98 Kaselehlie Street
Pohnpei, FM 96941
Pohnpei, FM 96941
Phone Number
Year Founded
1986
FDIC Number
Largest Affiliates
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