Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (30%), home mtgs (29%), comm loans (13%), other (28%)
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
3465 Asbury Road
Dubuque, IA 52002
Dubuque, IA 52002
Phone Number
(563) 582-1331
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA