Highmark Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 19.3 percent. Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (18%), home mtgs (17%), securities (1%), other (64%)
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
725 Fifth Street
Rapid City, SD 57701
Rapid City, SD 57701
Phone Number
(605) 716-4444
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Rapid City, SD
Rapid City, SD
Rapid City, SD
Rapid City, SD