Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Excellent (9.2) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), consumer loans (22%), securities (14%), comm loans (1%), other (38%)
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
811 Fourth Street, North
Virginia, MN 55792
Virginia, MN 55792
Phone Number
(218) 741-5644
NCUA Charter Number
Website
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