Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1).
Other Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.2. A current level of 9.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (10%), other (90%)
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
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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
509 Cheyenne Avenue South
Lame Deer, MT 59043
Lame Deer, MT 59043
Phone Number
(406) 477-6800
NCUA Charter Number
Website
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