A
Dawson Cooperative Credit Union
Dawson, MN
Data as of
June 30, 2021
Risk Based
Capital Ratio
15.88
Leverage
Ratio
15.88
Return On
Assets
1.93%
Total
Assets
237.51M
Capital
37.72M
Total
Deposits
199.76M
Net
Income
2.21M
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.9 and a net worth ratio of 15.9. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (10.0) profitability.
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 (10.0 on a scale of 0 to 10). A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Asset Mix: Home mtgs (24%), consumer loans (7%), securities (2%), other (67%)
Asset Quality
Non-Performing Loans to Capital
4.19%
Non-Performing Assets to Assets
0.72%
Non-Performing Loans to Loans
1.30%
Loan Loss Reserves to Loans
2.32%
Charge-Offs to Average Loans
0.02%
5-Year Charge-Offs to Average Loans
0.15%
5-Year Asset Growth
8.28%
1-Year Asset Growth
20.33%
Profitability
Operating Profit to Average Assets
1.92%
Return on Equity
12.08%
Net Interest Spread
3.15%
5-Year ROAA (Return on Average Assets)
1.83%
Overhead Efficiency Ratio
36.11%
Liquidity
Liquidity Ratio
53.04%
Hot Money
10.70%
Corporate Info
Address
711 Sixth Street
Dawson, MN 56232
Phone Number
(320) 769-2908
NCUA Charter Number
Largest Competitors
Weiss Ratings