Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Fair (3.0) profitability.
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 0.0. A current level of 12.4 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Home mtgs (36%), consumer loans (36%), securities (1%), other (27%)
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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