Major Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.6 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), consumer loans (26%), other (47%)
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