Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 14.9. A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 5.1 percent.
Asset Mix:
Securities (32%), consumer loans (19%), home mtgs (11%), other (37%)
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
1206 North Jefferson Street
Ottumwa, IA 52501
Ottumwa, IA 52501
Phone Number
(641) 684-4207
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
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Ottumwa, IA
Ottumwa, IA
