Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 9.5.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (9.0). Weak liquidity 2.2, driven by a liquidity ratio of 5.3 percent and a “hot money” ratio of 13.9 percent.
Asset Mix:
Home mtgs (22%), consumer loans (15%), other (62%)
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