Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.6%, coupled with a return on assets of 2.4 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
A current level of 10.5 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.7). Good liquidity 6.5, driven by a liquidity ratio of 49.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (34%), other (66%)
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
316 Tenth Street North
Fargo, ND 58102
Fargo, ND 58102
Phone Number
(701) 237-4493
NCUA Charter Number
Website
Largest Competitors
Fargo, ND
Fargo, ND
Fargo, ND