Major Rating Factors:
A current level of 24.2 percent of nonperforming loans to core capital combined with 15.8 percent from a year earlier contributes to the Weak asset quality (2.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 21.9 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (73%), home mtgs (1%), other (26%)
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
416 East Main Street
Waukesha, WI 53186
Waukesha, WI 53186
Phone Number
(262) 548-9328
NCUA Charter Number
Largest Competitors
Cottage Grove, WI
Brookfield, WI
Neenah, WI
Madison, WI
Waukesha, WI