Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.4, driven by a liquidity ratio of 3.9 percent and a “hot money” ratio of 0.0 percent. A current level of 7.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Asset Mix:
Home mtgs (59%), consumer loans (23%), other (18%)
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
111 East Randolph Street
Wausau, WI 54401
Wausau, WI 54401
Phone Number
(715) 675-8296
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
Wausau, WI
Wausau, WI
Wausau, WI
Wausau, WI