The Family First Federal Credit Union
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). A current level of 12.8 percent of nonperforming loans to core capital combined with 10.5 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.5 has resulted in Excellent (9.8) profitability. Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (43%), home mtgs (4%), other (52%)
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
2901 11th Avenue, South
Great Falls, MT 59405
Great Falls, MT 59405
Phone Number
(406) 727-7575
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Missoula, MT
Great Falls, MT
Great Falls, MT
Great Falls, MT