Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (27%), home mtgs (19%), comm loans (3%), other (51%)
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
212 West Hickory Street
Sisseton, SD 57262
Sisseton, SD 57262
Phone Number
(605) 698-7481
NCUA Charter Number
Website
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