Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.1) profitability. A current level of 10.7 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.5 and a net worth ratio of 22.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Comm loans (14%), consumer loans (13%), comm re (1%), other (72%)
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
501 Central Avenue
Eddyville, NE 68834
Eddyville, NE 68834
Phone Number
(308) 858-4440
NCUA Charter Number
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