Service First Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 15.9 percent and a “hot money” ratio of 3.3 percent. Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (41%), home mtgs (10%), other (48%)
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