GreenState Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 15.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 9.0.
Asset Mix:
Home mtgs (35%), comm loans (25%), consumer loans (14%), other (26%)
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
2355 Landon Road
North Liberty, IA 52317
North Liberty, IA 52317
Phone Number
(319) 339-1000
NCUA Charter Number
Website
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