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 (4.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 33.9 percent and a “hot money” ratio of 7.9 percent. A current level of 6.2 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Consumer loans (50%), home mtgs (10%), other (39%)
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
250 Pearl Avenue
Oshkosh, WI 54901
Oshkosh, WI 54901
Phone Number
(920) 233-1952
NCUA Charter Number
Largest Competitors
Cottage Grove, WI
Oshkosh, WI
Oshkosh, WI
Oshkosh, WI
Oshkosh, WI