Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 9.4.
Asset Mix:
Comm loans (29%), home mtgs (19%), consumer loans (13%), other (39%)
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
2900 Universal Street
Oshkosh, WI 54904
Oshkosh, WI 54904
Phone Number
(920) 236-7040
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
Oshkosh, WI
Oshkosh, WI
Oshkosh, WI
Oshkosh, WI