North Iowa Community 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 (4.3 on a scale of 0 to 10). A current level of 7.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Excellent (9.3) profitability. Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (63%), home mtgs (18%), comm loans (2%), other (17%)
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
640 South Federal Avenue
Mason City, IA 50401
Mason City, IA 50401
Phone Number
(641) 424-2281
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Mason City, IA
Mason City, IA
Mason City, IA
Mason City, IA