Sentinel Federal Credit Union
Major Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Excellent asset quality (9.0). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 27.7 percent and a “hot money” ratio of 10.5 percent.
Asset Mix:
Securities (16%), consumer loans (15%), home mtgs (6%), other (62%)
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
2723 LeMay Boulevard
Ellsworth AFB, SD 57706
Ellsworth AFB, SD 57706
Phone Number
(605) 923-1405
NCUA Charter Number
Website
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