Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.4. A current level of 8.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Other Rating Factors:
Operating profits as a percentage of assets at 3.8%, coupled with a return on assets of 3.1 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (33%), home mtgs (13%), comm loans (9%), securities (2%), other (43%)
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
501 16th St SE
Rochester, MN 55904
Rochester, MN 55904
Phone Number
(507) 288-0330
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Plymouth, MN
Saint Paul, MN
Falcon Heights, MN
Rochester, MN