Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.5) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.8.
Asset Mix:
Consumer loans (2%), other (98%)
Largest Competitors
North Liberty, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA