Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.2 has resulted in Fair (3.9) profitability. A current level of 5.9 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (53%), home mtgs (1%), other (47%)
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
617 SE Fourth Street
Laurel, MT 59044
Laurel, MT 59044
Phone Number
(406) 628-7711
NCUA Charter Number
Website
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