Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.9) profitability. A current level of 8.6 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 12.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (38%), home mtgs (28%), other (33%)
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
3465 Asbury Road
Dubuque, IA 52002
Dubuque, IA 52002
Phone Number
(563) 582-1331
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
Dubuque, IA
