Major Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.1. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (27%), consumer loans (25%), securities (5%), other (42%)
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
8033 Excelsior Drive
Madison, WI 53717
Madison, WI 53717
Phone Number
(608) 232-5000
NCUA Charter Number
Website
Largest Competitors
Madison, WI
Madison, WI
Madison, WI
Madison, WI
Madison, WI