Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.1 has resulted in Weak (2.2) profitability. A current level of 18.3 percent of nonperforming loans to core capital combined with 15.6 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.3 and a net worth ratio of 17.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (44%), home mtgs (4%), other (52%)
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
400 East Park Street
Butte, MT 59701
Butte, MT 59701
Phone Number
(406) 782-9760
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Missoula, MT
Butte, MT
Butte, MT