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Affiliated Institutions

No Affiliated Institutions

IDC Rank of Financial Ratios 2024-Q1:

CAMEL Analysis

Capital Ratios - A Foundation for Safety and Soundness

Net Worth % Assets

Total Risk-Based Capital Ratio

Adequacy of Net Worth and Loan Loss Reserve to Cover Loan Delinquency

Loan Loss Reserve % Net Worth

Loans 2-6 Months Delinquent % Net Worth

Loans 6 Months or more Delinquent % Net Worth

Margins Measure Management

Net Operating Profit % Equity ROE (1yr)

Cost of Equity COE (1yr)

Net Interest % Earning Assets (1yr)

Noninterest Income % Earning Assets (1yr)

Operating Expense % Earning Assets (1yr)

Operating Profit Margin OPM (1yr)

OPM Risk Standard Deviation

Earnings Return on Equity Equals the Operating Return Plus the Financial Return

Return of Net Operating Profit From Operations % Earning Assets (ROEA)

Return on Financial Leverage (ROFL) = Spread X Leverage

ROEA less Cost of Funds = Leverage Spread

Leverage Multiplier

Liquidity Determines the Ability to Grow

Balance Sheet Cash Flow % Net Worth

Percent Annual Growth in Net Worth

Nonperforming Assets % Total Loans

Net Loans as a % of Member Shares & Excess Liquidity

Interest-Bearing Liabilities % Earning Assets





Affiliated Institutions

No Affiliated Institutions

Supplemental Ratios

Investment Yield

Loan Yield

Cost of Adjusted Debt

Net Income % Avg Assets


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Limitations to Use of Financial Ratios and Ranks

Ranks are designed to provide IDC Financial Publishing, Inc.’s opinion as to the relative value of financial ratios, and are subject to limitations in their use. The ranks have no value in forecasting the direction of future trends of financial ratios. While in our opinion the selected ratios provide an ample financial picture for evaluating a financial institution, the quality of individual financial institutions can also be influenced by factors not taken into account in this analysis.

The quality of a financial institution is not fixed over time, but tends to undergo change. For this reason, changes in ranks occur, reflecting changes in the individual financial ratios.The data utilized for calculations, ranks, and other information was obtained from sources believed to be reliable and accurate; however, neither the publisher nor its employees assume responsibility for the correctness or accuracy of data, calculations, or liability for their use.