Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (9.0). Fair liquidity 3.5, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 7.4 percent.
Asset Mix:
Home mtgs (22%), consumer loans (7%), other (71%)
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
4321 N Ballard Rd
Appleton, WI 54919
Appleton, WI 54919
Phone Number
(866) 226-5225
NCUA Charter Number
Website
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