Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.1. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
A current level of 9.5 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), consumer loans (18%), other (51%)
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
1100 Hutchinson Avenue
Ottumwa, IA 52501
Ottumwa, IA 52501
Phone Number
(866) 360-5370
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Ottumwa, IA
Ottumwa, IA
