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). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (7.5) profitability. A current level of 7.4 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Consumer loans (61%), home mtgs (18%), other (21%)
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