Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 9.6 percent. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.2.
Asset Mix:
Consumer loans (38%), securities (18%), 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
9422 Ulysses Street, NE
Blaine, MN 55434
Blaine, MN 55434
Phone Number
(763) 267-6300
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Plymouth, MN
Saint Paul, MN
Falcon Heights, MN
Melrose, MN