Major Rating Factors:
A current level of 69.8 percent of nonperforming loans to core capital combined with 62.1 percent from a year earlier contributes to the Very Weak asset quality (0.0). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Very Weak (0.1) profitability.
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 16.3 percent and a “hot money” ratio of 28.9 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (61%), 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
West 1505 US Highway Eight
Brantwood, WI 54513
Brantwood, WI 54513
Phone Number
(715) 564-2232
NCUA Charter Number
Website
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