Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.7 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (17%), consumer loans (16%), securities (0%), other (67%)
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
501 North Main Street
Westby, WI 54667
Westby, WI 54667
Phone Number
(608) 634-3118
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
Brookfield, WI
Neenah, WI
Madison, WI
Eau Claire, WI