Building Trades Federal Credit Union
Major Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 0.0. A current level of 15.8 percent of nonperforming loans to core capital combined with 18.8 percent from a year earlier contributes to the Good asset quality (6.0).
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 (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.5) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (9%), other (68%)
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
12080 73rd Avenue, North
Maple Grove, MN 55369
Maple Grove, MN 55369
Phone Number
(763) 315-3888
NCUA Charter Number
Website
Largest Competitors
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