Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 11.7. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Good liquidity 5.7, driven by a liquidity ratio of 18.9 percent and a “hot money” ratio of 9.6 percent.
Asset Mix:
Consumer loans (19%), home mtgs (12%), securities (0%), other (69%)
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
415 Fourth Street, North
Fargo, ND 58102
Fargo, ND 58102
Phone Number
(701) 365-0480
NCUA Charter Number
Website
Largest Competitors
Fargo, ND
Fargo, ND
Fargo, ND
Fargo, ND