Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.5) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 39.7 percent and a “hot money” ratio of 14.2 percent. A current level of 8.7 percent of nonperforming loans to core capital combined with 70.2 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Consumer loans (40%), home mtgs (22%), 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
127 Center Avenue
Morrill, NE 69358
Morrill, NE 69358
Phone Number
(308) 247-2026
NCUA Charter Number
Website
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