Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6. A current level of 5.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (46%), securities (15%), home mtgs (8%), comm loans (0%), other (31%)
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
3000 80th Street
Kenosha, WI 53142
Kenosha, WI 53142
Phone Number
(262) 694-1600
NCUA Charter Number
Website
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