Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 24.1 and a net worth ratio of 0.0. A current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Operating profits as a percentage of assets at 8.2%, coupled with a return on assets of 6.0 has resulted in Excellent (8.0) profitability. Excellent liquidity 7.1, driven by a liquidity ratio of 222.9 percent and a “hot money” ratio of 43.0 percent.
Asset Mix:
Consumer loans (23%), home mtgs (13%), other (63%)
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
One Main BIA 2, Suite 103/104
Kyle, SD 57752
Kyle, SD 57752
Phone Number
(605) 455-1515
NCUA Charter Number
Website
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