Highmark Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 20.0 percent and a “hot money” ratio of 19.7 percent. Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 7.5.
Asset Mix:
Comm loans (22%), home mtgs (17%), consumer loans (16%), securities (1%), other (43%)
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