Major Rating Factors:
A current level of 45.6 percent of nonperforming loans to core capital combined with 45.6 percent from a year earlier contributes to the Weak asset quality (1.7).
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 36.0 percent and a “hot money” ratio of 15.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (44%), home mtgs (21%), other (35%)
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
127 Center Avenue
Morrill, NE 69358
Morrill, NE 69358
Phone Number
(308) 247-2026
NCUA Charter Number
Website
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