Northwestern Employees 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 19.5 and a net worth ratio of 19.5. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Excellent (7.6) profitability. Good liquidity 6.2, driven by a liquidity ratio of 56.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (41%), other (59%)
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
1411 West Broadway
Council Bluffs, IA 51501
Council Bluffs, IA 51501
Phone Number
(712) 328-2787
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Cedar Rapids, IA
Council Bluffs, IA