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 Weak overall stability index (1.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 19.2 percent. Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 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