Ascentra Credit Union
Major Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0.
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 (6.4 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 (4.1) profitability.
Asset Mix:
Home mtgs (30%), consumer loans (21%), other (48%)
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
2019 Grant Street
Bettendorf, IA 52722
Bettendorf, IA 52722
Phone Number
(563) 355-0152
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Cedar Rapids, IA
Bettendorf, IA