Major Rating Factors:
A current level of 20.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 0.0. 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).
Asset Mix:
Consumer loans (37%), home mtgs (20%), other (43%)
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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