Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3). A current level of 5.5 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Other Rating Factors:
Excellent liquidity 8.3, driven by a liquidity ratio of 93.9 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (15%), other (85%)
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
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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
509 Cheyenne Avenue South
Lame Deer, MT 59043
Lame Deer, MT 59043
Phone Number
(406) 477-8411
NCUA Charter Number
Website
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