Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.2. A current level of 2.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Good liquidity 6.9, driven by a liquidity ratio of 42.0 percent and a “hot money” ratio of 0.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (16%), home mtgs (15%), securities (2%), other (67%)
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
112 Alfred Street
Athens, WI 54411
Athens, WI 54411
Phone Number
(715) 257-9337
NCUA Charter Number
Website
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