Employees Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.3 and a net worth ratio of 20.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Excellent (9.0) profitability. A current level of 7.8 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (40%), home mtgs (9%), securities (2%), other (49%)
Corporate Info
2714 Central Avenue
Estherville, IA 51334
Estherville, IA 51334
(712) 362-5897
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