Major Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (8.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 12.0. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (18%), other (59%)
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
Address
1000 Jackson Street
Dubuque, IA 52001
Dubuque, IA 52001
Phone Number
(800) 373-7600
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
