Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.5) profitability. A current level of 24.1 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (18%), securities (12%), consumer loans (10%), other (61%)
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
818 East Main Avenue
Bismarck, ND 58501
Bismarck, ND 58501
Phone Number
(701) 223-6533
NCUA Charter Number
Website
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