Major 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 (0.0 on a scale of 0 to 10). Very Weak current capitalization (0.7 on a scale of 0 to 10) based on a net capital to total assets of 4.1 and a net worth ratio of 4.3.
Other Rating Factors:
A current level of 27.7 percent of nonperforming loans to core capital combined with 20.6 percent from a year earlier contributes to the Weak asset quality (2.4). Weak liquidity 2.6, driven by a liquidity ratio of 3.9 percent and a “hot money” ratio of 12.1 percent.
Asset Mix:
Consumer loans (46%), home mtgs (1%), other (53%)
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
2526 Shiloh Road
Billings, MT 59106
Billings, MT 59106
Phone Number
(406) 259-2000
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Billings, MT
Billings, MT
Billings, MT
Billings, MT