Major Rating Factors:
A current level of 13.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). 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:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.3. Fair liquidity 3.4, driven by a liquidity ratio of 14.4 percent and a “hot money” ratio of 19.5 percent.
Asset Mix:
Consumer loans (54%), home mtgs (8%), comm loans (3%), securities (0%), other (35%)
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
1207 North Second Street
Cherokee, IA 51012
Cherokee, IA 51012
Phone Number
(712) 225-5731
NCUA Charter Number
Website
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