Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.1). Good liquidity 5.7, driven by a liquidity ratio of 48.1 percent and a “hot money” ratio of 9.8 percent.
Asset Mix:
Home mtgs (42%), securities (29%), cash (12%), consumer loans (6%), comm re (3%), home eq lns (1%), comm loans (1%), other (7%)
States with Branches:
MN
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
5200 Members Parkway, NW
Rochester, MN 55901
Rochester, MN 55901
Phone Number
(507) 288-3425
Year Founded
1968
FDIC Number
Website
Largest Affiliates
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