Major Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 17.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7). Fair liquidity 3.9, driven by a liquidity ratio of 16.9 percent and a “hot money” ratio of 12.6 percent.
Asset Mix:
Consumer loans (34%), home mtgs (20%), comm loans (1%), other (45%)
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
400 Fourth Avenue, NE
Austin, MN 55912
Austin, MN 55912
Phone Number
(507) 433-1829
NCUA Charter Number
Website
Largest Competitors
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