Major Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 11.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.9 has resulted in Good (6.8) profitability. 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).
Asset Mix:
Home mtgs (27%), consumer loans (16%), comm loans (2%), other (56%)
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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