Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.9 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Good asset quality (6.4). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (48%), consumer loans (18%), other (34%)
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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