Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). A current level of 9.9 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Fair asset quality (4.6).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.0) profitability.
Asset Mix:
Consumer loans (72%), home mtgs (0%), other (28%)
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
141 South Gould Street
Sheridan, WY 82801
Sheridan, WY 82801
Phone Number
(307) 672-3445
NCUA Charter Number
Largest Competitors
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