Service First Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (9.6). Good liquidity 5.2, driven by a liquidity ratio of 30.6 percent and a “hot money” ratio of 2.7 percent.
Asset Mix:
Consumer loans (34%), home mtgs (8%), other (57%)
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
3901 East 10th Street
Sioux Falls, SD 57103
Sioux Falls, SD 57103
Phone Number
(605) 336-1047
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Huron, SD
Sioux Falls, SD
Sioux Falls, SD
Sioux Falls, SD