Peoples Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2. A current level of 10.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (34%), home mtgs (25%), securities (11%), comm loans (3%), other (27%)
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
310 First Street
Webster City, IA 50595
Webster City, IA 50595
Phone Number
(515) 832-6346
NCUA Charter Number
Largest Competitors
North Liberty, IA
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Dubuque, IA