The Municipal Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.5 and a net worth ratio of 12.6. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.4 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (6.7). Good liquidity 6.1, driven by a liquidity ratio of 41.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (26%), home mtgs (9%), other (65%)
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
103 South Fairmont Street
Sioux City, IA 51106
Sioux City, IA 51106
Phone Number
(712) 255-3400
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Sioux City, IA
Sioux City, IA