Major 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 (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 62.3 and a net worth ratio of 62.4. A current level of 3.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8).
Asset Mix:
Home mtgs (24%), comm loans (10%), consumer loans (9%), comm re (0%), other (57%)
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
18 Fifth Avenue West
Lisbon, ND 58054
Lisbon, ND 58054
Phone Number
(701) 683-2296
NCUA Charter Number
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