Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (4.8) profitability. An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7).
Other Rating Factors:
Excellent liquidity 8.5, driven by a liquidity ratio of 96.7 percent and a “hot money” ratio of 6.9 percent. Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9.
Asset Mix:
Consumer loans (14%), other (86%)
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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