Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 41.8 percent and a “hot money” ratio of 6.2 percent.
Asset Mix:
Home mtgs (35%), consumer loans (10%), comm loans (5%), other (50%)
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
1301 Post Road
Plover, WI 54467
Plover, WI 54467
Phone Number
(715) 341-0520
NCUA Charter Number
Website
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