Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.9 and a net worth ratio of 22.1. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (59%), home mtgs (4%), other (37%)
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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