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 (4.5 on a scale of 0 to 10). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (9.3). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.8 has resulted in Good (6.1) profitability.
Asset Mix:
Consumer loans (30%), securities (15%), home mtgs (5%), other (50%)
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
7801 South Howell Avenue
Oak Creek, WI 53154
Oak Creek, WI 53154
Phone Number
(414) 546-7450
NCUA Charter Number
Website
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