Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Excellent (8.0) profitability. Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 10.2.
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 34.0 percent and a “hot money” ratio of 0.0 percent. A current level of 6.9 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (16%), home mtgs (13%), other (70%)
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
1175 West Fond Du Lac Street
Ripon, WI 54971
Ripon, WI 54971
Phone Number
(920) 748-5336
NCUA Charter Number
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