Development
Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (10.0). 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).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.7. Fair liquidity 3.6, driven by a liquidity ratio of 18.9 percent and a “hot money” ratio of 17.4 percent.
Asset Mix:
Home mtgs (30%), consumer loans (20%), other (50%)
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
2297 Kansas Avenue, SE
Huron, SD 57350
Huron, SD 57350
Phone Number
(605) 352-2845
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Huron, SD
Huron, SD
Huron, SD