Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Excellent asset quality (7.4). Fair liquidity 3.7, driven by a liquidity ratio of 32.0 percent and a “hot money” ratio of 16.0 percent.
Asset Mix:
Securities (28%), consumer loans (25%), home mtgs (19%), other (28%)
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
1530 West 53rd Street
Davenport, IA 52806
Davenport, IA 52806
Phone Number
(563) 412-4461
NCUA Charter Number
Website
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