Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 0.0. A current level of 2.8 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.8 has resulted in Excellent (7.2) profitability. Good liquidity 5.5, driven by a liquidity ratio of 33.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (41%), securities (5%), home mtgs (2%), other (52%)
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
6445 Lake Road Terrace
Woodbury, MN 55125
Woodbury, MN 55125
Phone Number
(651) 227-0771
NCUA Charter Number
Website
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