Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Excellent asset quality (8.2). Fair liquidity 3.2, driven by a liquidity ratio of 18.8 percent and a “hot money” ratio of 10.5 percent.
Asset Mix:
Home mtgs (26%), consumer loans (20%), securities (0%), other (53%)
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
1001 First Avenue, North
Fargo, ND 58102
Fargo, ND 58102
Phone Number
(701) 235-2832
NCUA Charter Number
Website
Largest Competitors
Fargo, ND
Fargo, ND
Fargo, ND