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 (3.5 on a scale of 0 to 10). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.6.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (23%), comm loans (13%), securities (0%), 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
1716 Pine Cone Rd S
Sartell, MN 56377
Sartell, MN 56377
Phone Number
(320) 252-2634
NCUA Charter Number
Website
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