Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.7. A current level of 4.6 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 31.2 percent and a “hot money” ratio of 5.4 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (38%), securities (5%), home mtgs (2%), other (55%)
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
Largest Competitors
Apple Valley, MN
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Woodbury, MN
