Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 0.0. A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 11.8 percent.
Asset Mix:
Home mtgs (25%), consumer loans (17%), securities (10%), other (48%)
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
1730 Dakota Avenue, South
Huron, SD 57350
Huron, SD 57350
Phone Number
(605) 353-9977
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Huron, SD
Huron, SD
Huron, SD