Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.5 and a net worth ratio of 14.5. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.1 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). A current level of 10.2 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (38%), home mtgs (34%), 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
600 West Third Avenue, North
Aurora, MN 55705
Aurora, MN 55705
Phone Number
(218) 229-2048
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Plymouth, MN
Saint Paul, MN
Falcon Heights, MN
Melrose, MN