Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 3.3%, coupled with a return on assets of 3.2 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (53%), home mtgs (13%), securities (2%), other (32%)
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
707 North Marian Road
Hastings, NE 68901
Hastings, NE 68901
Phone Number
(402) 463-6668
NCUA Charter Number
Website
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