Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.6 and a net worth ratio of 12.6. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (21%), home mtgs (18%), other (61%)
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
2910 Prospect Avenue
Helena, MT 59601
Helena, MT 59601
Phone Number
(406) 442-1421
NCUA Charter Number
Website
Largest Competitors
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Helena, MT