Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.0 and a net worth ratio of 14.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Good asset quality (5.3). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (47%), home mtgs (24%), other (29%)
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
3401 West Beltline Highway
Madison, WI 53713
Madison, WI 53713
Phone Number
(608) 271-5301
NCUA Charter Number
Website
Largest Competitors
Madison, WI
Madison, WI
Madison, WI
Madison, WI
Madison, WI