Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Fair (3.8) 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:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 12.0. A current level of 9.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Asset Mix:
Home mtgs (37%), consumer loans (31%), comm loans (2%), securities (1%), other (30%)
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
125 West Madison Street
Waterloo, WI 53594
Waterloo, WI 53594
Phone Number
(920) 478-2151
NCUA Charter Number
Website
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