Area Community 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 18.7 and a net worth ratio of 18.9. A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 39.2 percent and a “hot money” ratio of 11.4 percent.
Asset Mix:
Consumer loans (33%), home mtgs (7%), other (60%)
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
2800 South Washington Street
Grand Forks, ND 58201
Grand Forks, ND 58201
Phone Number
(701) 772-2690
NCUA Charter Number
Website
Largest Competitors
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND
Grand Forks, ND