Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.5 and a net worth ratio of 15.7. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm loans (37%), home mtgs (15%), consumer loans (12%), other (36%)
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
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