Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 12.3. A current level of 3.2 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (6.4) profitability. 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:
Home mtgs (19%), consumer loans (16%), securities (1%), other (64%)
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
1006 East Main Street
Mandan, ND 58554
Mandan, ND 58554
Phone Number
(701) 667-9500
NCUA Charter Number
Website
Largest Competitors
Jamestown, ND
Bismarck, ND
Minot, ND
Maddock, ND
Williston, ND