Major Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 10.7. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.9 has resulted in Good (6.6) profitability.
Other Rating Factors:
A current level of 10.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (20%), comm loans (2%), other (44%)
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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