Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 27.8 and a net worth ratio of 0.0. A current level of 3.2 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (9.2).
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 (8.1 on a scale of 0 to 10). Excellent liquidity 7.2, driven by a liquidity ratio of 186.6 percent and a “hot money” ratio of 34.1 percent.
Asset Mix:
Consumer loans (24%), 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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