Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.8) profitability.
Other Rating Factors:
A current level of 19.6 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.9). Fair liquidity 3.2, driven by a liquidity ratio of 24.3 percent and a “hot money” ratio of 14.3 percent.
Asset Mix:
Consumer loans (45%), home mtgs (24%), other (31%)
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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