Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 12.7. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (8.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (44%), home mtgs (21%), other (35%)
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
6789 Upper Afton Road
Woodbury, MN 55125
Woodbury, MN 55125
Phone Number
(651) 383-4000
NCUA Charter Number
Website
Largest Competitors
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Woodbury, MN
