Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (7.4) profitability. Good liquidity 5.9, driven by a liquidity ratio of 41.9 percent and a “hot money” ratio of 7.8 percent.
Asset Mix:
Consumer loans (21%), home mtgs (20%), other (59%)
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
1855 Arizona Avenue SW
Huron, SD 57350
Huron, SD 57350
Phone Number
(605) 352-1311
NCUA Charter Number
Largest Competitors
Rapid City, SD
Huron, SD
Huron, SD
Huron, SD
Huron, SD