Community 1st Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (4.1) profitability. A current level of 13.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm loans (23%), consumer loans (19%), securities (1%), other (30%)
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
2905 Main Street
Miles City, MT 59301
Miles City, MT 59301
Phone Number
(406) 234-2550
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
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Billings, MT
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