Development
Bluestone Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 8.6.
Other Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (9.4). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Fair (3.8) profitability.
Asset Mix:
Consumer loans (41%), home mtgs (8%), securities (1%), 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
5010 South Solberg Avenue
Sioux Falls, SD 57108
Sioux Falls, SD 57108
Phone Number
(605) 367-7070
NCUA Charter Number
Website
Largest Competitors
Rapid City, SD
Huron, SD
Sioux Falls, SD
Sioux Falls, SD
Sioux Falls, SD