Cumberland Federal Bank, Federal Savings Bank
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 9.8. A current level of 3.5 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (46%), home mtgs (19%), comm re (7%), comm loans (3%), home eq lns (3%), cash (1%), consumer loans (1%), other (20%)
States with Branches:
WI
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
1390 Second Avenue
Cumberland, WI 54829
Cumberland, WI 54829
Phone Number
(715) 822-2249
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.