Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.4. A current level of 9.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
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 (5.4 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 22.5 percent and a “hot money” ratio of 16.8 percent.
Asset Mix:
Consumer loans (38%), home mtgs (27%), comm loans (4%), 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
2472 39th Avenue
Columbus, NE 68601
Columbus, NE 68601
Phone Number
(402) 563-4597
NCUA Charter Number
Website
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