Major Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). 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.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (14%), comm loans (10%), securities (4%), other (36%)
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
207 North Broadway
Billings, MT 59104
Billings, MT 59104
Phone Number
(406) 656-9100
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Billings, MT
Billings, MT
Billings, MT
Billings, MT