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 (4.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 24.1 percent and a “hot money” ratio of 5.5 percent. A current level of 7.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5).
Asset Mix:
Consumer loans (61%), other (39%)
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
375 Third Street, SW
Huron, SD 57350
Huron, SD 57350
Phone Number
(605) 352-6933
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Huron, SD
Huron, SD
Huron, SD