Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.6 and a net worth ratio of 22.6. A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
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 (8.3 on a scale of 0 to 10). Excellent liquidity 7.1, driven by a liquidity ratio of 261.4 percent and a “hot money” ratio of 45.0 percent.
Asset Mix:
Consumer loans (23%), home mtgs (15%), 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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