Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 15.0 percent. Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.4.
Asset Mix:
Home mtgs (47%), consumer loans (14%), comm loans (7%), other (33%)
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
2817 Tower Avenue
Superior, WI 54880
Superior, WI 54880
Phone Number
(715) 392-5616
NCUA Charter Number
Website
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