Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.2 and a net worth ratio of 15.4. A current level of 4.2 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (6.3) profitability.
Asset Mix:
Home mtgs (40%), consumer loans (31%), other (29%)
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
400 East Thomas Street
Wausau, WI 54403
Wausau, WI 54403
Phone Number
(715) 261-7680
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
Wausau, WI
Wausau, WI
Wausau, WI
Wausau, WI