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 (5.0 on a scale of 0 to 10). A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (8.3) profitability.
Asset Mix:
Home mtgs (38%), consumer loans (25%), other (37%)
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
1700 Oak Forest Drive
Onalaska, WI 54650
Onalaska, WI 54650
Phone Number
(608) 787-4500
NCUA Charter Number
Website
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