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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Good (5.3) profitability.
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.9 and a net worth ratio of 14.9. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8).
Asset Mix: Consumer loans (58%), other (42%)