Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Weak liquidity 2.4, driven by a liquidity ratio of 8.7 percent and a “hot money” ratio of 6.3 percent.
Asset Mix:
Home mtgs (41%), consumer loans (17%), other (42%)
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
1117 South 10th Street
Manitowoc, WI 54220
Manitowoc, WI 54220
Phone Number
(920) 684-0361
NCUA Charter Number
Website
Largest Competitors
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Manitowoc, WI