Northern States Power Company Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 30.7 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.5 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.
Asset Mix:
Consumer loans (57%), other (43%)
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
1206 Fifth Avenue, South
Grand Forks, ND 58201
Grand Forks, ND 58201
Phone Number
(701) 795-5244
NCUA Charter Number
Largest Competitors
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND