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). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.9 and a capital leverage ratio of 19.1. Operating profits as a percentage of assets at 5.5%, coupled with a return on assets of 4.2 has resulted in Excellent (10.0) profitability.
Asset Mix:
Consumer loans (91%), cash (3%), other (6%)
States with Branches:
NV
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
Harley-Davidson, Inc.
Investment Rating
--
Address
9850 Double R Boulevard
Reno, NV 89521
Reno, NV 89521
Phone Number
(775) 886-3000
Year Founded
1997
FDIC Number
Largest Affiliates
No affiliate information available.