Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.7. Operating profits as a percentage of assets at 4.3%, coupled with a return on assets of 4.2 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (41%), consumer loans (18%), comm loans (11%), other (31%)
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
4400 Calumet Avenue
Manitowoc, WI 54220
Manitowoc, WI 54220
Phone Number
(920) 482-3700
NCUA Charter Number
Website
Largest Competitors
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Manitowoc, WI