Major Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.7.
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 (5.5 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 15.1 percent.
Asset Mix:
Consumer loans (25%), home mtgs (19%), comm loans (2%), other (54%)
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
3400 North Montana Avenue
Helena, MT 59602
Helena, MT 59602
Phone Number
(406) 449-2680
NCUA Charter Number
Website
Largest Competitors
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Helena, MT