Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.3 has resulted in Weak (1.9) profitability. A current level of 23.1 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 53.3 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (50%), other (50%)
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
30 13th Street
Havre, MT 59501
Havre, MT 59501
Phone Number
(406) 262-1416
NCUA Charter Number
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