Black Hills Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (2.6) profitability. Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 9.5 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier 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 (6.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), consumer loans (24%), other (51%)
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
2700 North Plaza Drive
Rapid City, SD 57702
Rapid City, SD 57702
Phone Number
(605) 718-1818
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Rapid City, SD
Rapid City, SD
Rapid City, SD
Rapid City, SD