Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.2 and a net worth ratio of 0.0. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 26.1 percent and a “hot money” ratio of 17.9 percent.
Asset Mix:
Securities (36%), consumer loans (22%), home mtgs (16%), other (27%)
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
811 South Broadway
Minot, ND 58701
Minot, ND 58701
Phone Number
(701) 857-5541
NCUA Charter Number
Website
Largest Competitors
Jamestown, ND
Minot, ND
Minot, ND
Minot, ND
Minot, ND