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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 16.0 percent of nonperforming loans to core capital contributes to the Weak asset quality (3.0). Fair liquidity 4.0, driven by a liquidity ratio of 27.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (66%), other (34%)
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) 795-5294
NCUA Charter Number
Largest Competitors
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND