Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.4) profitability.
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.0.
Asset Mix:
Consumer loans (41%), home mtgs (5%), other (54%)
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
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