Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.5. A current level of 4.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0).
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 (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (2.8) profitability.
Asset Mix:
Home mtgs (39%), consumer loans (15%), other (46%)
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
2522 Fourth Avenue, North
Billings, MT 59101
Billings, MT 59101
Phone Number
(406) 248-1127
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Billings, MT
Billings, MT
Billings, MT
Billings, MT