Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). A current level of 10.2 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Weak liquidity 2.5, driven by a liquidity ratio of 10.6 percent and a “hot money” ratio of 2.9 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (65%), home mtgs (12%), other (23%)
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