Major Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 8.3.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 29.1 percent and a “hot money” ratio of 20.6 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability.
Asset Mix:
Home mtgs (16%), securities (10%), comm loans (10%), consumer loans (8%), other (56%)
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
818 East Main Avenue
Bismarck, ND 58501
Bismarck, ND 58501
Phone Number
(701) 223-6533
NCUA Charter Number
Website
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