1st Liberty Federal Credit Union
Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 13.5.
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 (7.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Asset Mix:
Consumer loans (32%), home mtgs (9%), securities (8%), other (51%)
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
6200 Third Avenue, North
Great Falls, MT 59405
Great Falls, MT 59405
Phone Number
(406) 761-8300
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Missoula, MT
Great Falls, MT
Great Falls, MT
Great Falls, MT