Major Rating Factors:
A current level of 15.2 percent of nonperforming loans to core capital contributes to the Weak asset quality (3.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Excellent (7.9) profitability. Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 9.7.
Asset Mix:
Comm loans (64%), home mtgs (11%), consumer loans (11%), other (15%)
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
2121 Archer Road
Archer, NE 68816
Archer, NE 68816
Phone Number
(308) 795-2204
NCUA Charter Number
Website
Largest Competitors
Omaha, NE
Papillion, NE
Omaha, NE
Lincoln, NE
South Sioux City, NE