Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Excellent (9.8) profitability. Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (11%), other (52%)
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
2006 Schofield Avenue
Weston, WI 54476
Weston, WI 54476
Phone Number
(715) 359-7012
NCUA Charter Number
Website
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