Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 1.3 and a net worth ratio of 0.0. A current level of 61.2 percent of nonperforming loans to core capital combined with 26.5 percent from a year earlier contributes to the Very Weak asset quality (0.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (23%), home mtgs (21%), other (56%)
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
222 South Pacific Street
Dillon, MT 59725
Dillon, MT 59725
Phone Number
(406) 683-4373
NCUA Charter Number
Website
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