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 (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (3.8) profitability.
Other Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (6.0). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (47%), home mtgs (9%), other (43%)
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
2400 West Bridge Street
Owatonna, MN 55060
Owatonna, MN 55060
Phone Number
(507) 451-3798
NCUA Charter Number
Website
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