Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.2) profitability.
Asset Mix:
Comm loans (35%), consumer loans (26%), home mtgs (21%), other (19%)
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
212 Fifth Avenue
Edgeley, ND 58433
Edgeley, ND 58433
Phone Number
(701) 493-2334
NCUA Charter Number
Largest Competitors
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