Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.1 has resulted in Very Weak (1.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.8). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 8.8.
Asset Mix:
Home mtgs (37%), consumer loans (31%), securities (4%), other (28%)
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
225 La Crosse Street
La Crosse, WI 54601
La Crosse, WI 54601
Phone Number
(608) 785-7720
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
La Crosse, WI
La Crosse, WI
La Crosse, WI
La Crosse, WI