Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 0.0. Fair liquidity 4.3, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 7.5 percent.
Asset Mix:
Home mtgs (25%), consumer loans (18%), other (57%)
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
1035 West Park Avenue
Anaconda, MT 59711
Anaconda, MT 59711
Phone Number
(406) 563-8484
NCUA Charter Number
Website
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