Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent liquidity 7.1, driven by a liquidity ratio of 56.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), other (67%)
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
215 Second Street, SE
Minot, ND 58701
Minot, ND 58701
Phone Number
(701) 857-4430
NCUA Charter Number
Website
Largest Competitors
Jamestown, ND
Minot, ND
Minot, ND
Minot, ND
Minot, ND