Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 0.0. A current level of 2.5 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Excellent liquidity 7.2, driven by a liquidity ratio of 45.4 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 (6.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (14%), home mtgs (13%), other (73%)
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
Website
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