Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 0.0. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 8.3, driven by a liquidity ratio of 49.8 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (3%), other (97%)
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
66 West 32nd Street
Dubuque, IA 52001
Dubuque, IA 52001
Phone Number
(563) 556-3863
NCUA Charter Number
Largest Competitors
North Liberty, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA