Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.7.
Asset Mix:
Home mtgs (35%), consumer loans (19%), securities (3%), other (43%)
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
2000 South Russell Street
Missoula, MT 59801
Missoula, MT 59801
Phone Number
(406) 728-1034
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
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