5 Star Community Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 8.1.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 5.1 percent and a “hot money” ratio of 5.9 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability.
Asset Mix:
Home mtgs (36%), consumer loans (27%), other (36%)
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
100 South Cherry Street
Mount Pleasant, IA 52641
Mount Pleasant, IA 52641
Phone Number
(319) 385-4914
NCUA Charter Number
Website
Largest Competitors
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