Service First Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Good liquidity 5.3, driven by a liquidity ratio of 31.4 percent and a “hot money” ratio of 2.6 percent.
Asset Mix:
Consumer loans (33%), home mtgs (8%), other (59%)
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