Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 0.0. A current level of 5.7 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Home mtgs (29%), consumer loans (24%), securities (2%), other (45%)
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
1305 State Highway 102
Rib Lake, WI 54470
Rib Lake, WI 54470
Phone Number
(715) 427-5201
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
Brookfield, WI
Neenah, WI
Madison, WI
Eau Claire, WI