Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.1) profitability. A current level of 11.1 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 43.7 percent and a “hot money” ratio of 21.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (43%), other (57%)
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
500 West Broadway Street
Missoula, MT 59802
Missoula, MT 59802
Phone Number
(406) 329-5665
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
Missoula, MT
Billings, MT
Missoula, MT
Missoula, MT