Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2). Weak liquidity 2.6, driven by a liquidity ratio of 17.0 percent and a “hot money” ratio of 23.2 percent.
Asset Mix:
Comm loans (32%), consumer loans (24%), home mtgs (20%), other (25%)
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
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