Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 12.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.6) profitability.
Asset Mix:
Comm loans (33%), consumer loans (24%), home mtgs (21%), other (22%)
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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