Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 0.0. A current level of 5.1 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Excellent asset quality (7.7).
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 (6.8 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 17.0 percent.
Asset Mix:
Home mtgs (26%), consumer loans (17%), other (58%)
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
8499 Tamarack Road
Woodbury, MN 55125
Woodbury, MN 55125
Phone Number
(651) 770-7000
NCUA Charter Number
Website
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