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 (5.0 on a scale of 0 to 10). A current level of 14.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.8 has resulted in Excellent (7.2) profitability.
Asset Mix:
Home mtgs (53%), consumer loans (14%), other (34%)
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
300 2nd St N
La Crosse, WI 54601
La Crosse, WI 54601
Phone Number
(800) 923-7280
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
La Crosse, WI
La Crosse, WI
La Crosse, WI
La Crosse, WI