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 19.8 and a net worth ratio of 19.8. A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.3 has resulted in Good (6.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (8%), other (53%)
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