Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.4) profitability.
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 35.5 percent and a “hot money” ratio of 0.0 percent. 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.
Asset Mix:
Consumer loans (46%), home mtgs (10%), other (44%)
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
1306 North 13th Street
Norfolk, NE 68701
Norfolk, NE 68701
Phone Number
(402) 371-9345
NCUA Charter Number
Website
Largest Competitors
Omaha, NE
Papillion, NE
Omaha, NE
Lincoln, NE
Columbus, NE