1st Liberty Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.9 and a net worth ratio of 0.0. A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
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 (8.6 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 30.4 percent and a “hot money” ratio of 2.8 percent.
Asset Mix:
Consumer loans (30%), securities (14%), home mtgs (8%), other (48%)
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