Major Rating Factors:
A current level of 23.0 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 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 23.1 and a net worth ratio of 23.1. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (6.9) profitability.
Asset Mix:
Consumer loans (65%), other (35%)
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
318 Wisconsin Drive
Jefferson, WI 53549
Jefferson, WI 53549
Phone Number
(920) 674-2325
NCUA Charter Number
Largest Competitors
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