Major Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.5. Fair liquidity 4.6, driven by a liquidity ratio of 36.3 percent and a “hot money” ratio of 18.0 percent.
Asset Mix:
Consumer loans (55%), home mtgs (4%), other (41%)
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
1001 West B Street
McCook, NE 69001
McCook, NE 69001
Phone Number
(308) 345-7040
NCUA Charter Number
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