Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.7. A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.8) profitability. Good liquidity 5.7, driven by a liquidity ratio of 34.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (31%), home mtgs (0%), other (69%)
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
2101 North Elm Street
Fargo, ND 58102
Fargo, ND 58102
Phone Number
(701) 280-0870
NCUA Charter Number
Website
Largest Competitors
Fargo, ND
Fargo, ND
Fargo, ND
Fargo, ND