Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.8 and a net worth ratio of 19.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Excellent (7.8) profitability.
Asset Mix:
Consumer loans (50%), home mtgs (4%), comm loans (0%), other (46%)
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
217 Toluca Avenue
Alliance, NE 69301
Alliance, NE 69301
Phone Number
(308) 762-1871
NCUA Charter Number
Website
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