First Alliance Credit Union
Major Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (7.4). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (3.2) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (15%), securities (2%), other (47%)
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
300 Main Street North
Stewartville, MN 55976
Stewartville, MN 55976
Phone Number
(507) 288-0330
NCUA Charter Number
Website
Largest Competitors
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