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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.7 has resulted in Good (6.1) profitability.
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1.
Asset Mix:
Consumer loans (45%), other (55%)
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
215 Second Street, SE
Minot, ND 58701
Minot, ND 58701
Phone Number
(701) 857-4430
NCUA Charter Number
Website
Largest Competitors
Jamestown, ND
Minot, ND
Minot, ND
Minot, ND
Minot, ND