Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 13.3. A current level of 1.4 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (50%), home mtgs (16%), other (34%)
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
644 West Second Street
Ottumwa, IA 52501
Ottumwa, IA 52501
Phone Number
(641) 684-6302
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Ottumwa, IA
Ottumwa, IA
