Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8). Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3.
Other Rating Factors:
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). Good liquidity 5.3, driven by a liquidity ratio of 20.8 percent and a “hot money” ratio of 14.4 percent.
Asset Mix:
Consumer loans (21%), home mtgs (21%), securities (5%), other (54%)
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
2315 Prairie Avenue
Beloit, WI 53511
Beloit, WI 53511
Phone Number
(608) 362-8983
NCUA Charter Number
Website
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