Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Good liquidity 5.8, driven by a liquidity ratio of 47.5 percent and a “hot money” ratio of 13.8 percent.
Asset Mix:
Home mtgs (31%), consumer loans (9%), comm loans (0%), other (59%)
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
804 Laurel Street
Brainerd, MN 56401
Brainerd, MN 56401
Phone Number
(218) 829-9065
NCUA Charter Number
Website
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