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 (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 0.0. A current level of 6.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Asset Mix:
Consumer loans (52%), home mtgs (10%), other (38%)
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
250 Pearl Avenue
Oshkosh, WI 54901
Oshkosh, WI 54901
Phone Number
(920) 233-1952
NCUA Charter Number
Largest Competitors
Cottage Grove, WI
Oshkosh, WI
Oshkosh, WI
Oshkosh, WI
Oshkosh, WI