Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.0 has resulted in Weak (2.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 51.1 percent and a “hot money” ratio of 0.0 percent. 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 0.0.
Asset Mix:
Consumer loans (43%), other (57%)
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
15 First Street, SE
Harlowton, MT 59036
Harlowton, MT 59036
Phone Number
(406) 632-4357
NCUA Charter Number
Largest Competitors
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