Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Excellent (7.6) profitability. A current level of 8.5 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (59%), home mtgs (8%), other (33%)
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
2915 Second Avenue
Kearney, NE 68847
Kearney, NE 68847
Phone Number
(308) 234-9311
NCUA Charter Number
Website
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