Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.8. A current level of 3.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 12.0 percent.
Asset Mix:
Consumer loans (30%), securities (17%), home mtgs (12%), other (41%)
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
601 McCall Road
Manhattan, KS 66502
Manhattan, KS 66502
Phone Number
(785) 776-3003
NCUA Charter Number
Website
Largest Competitors
Lenexa, KS
Wichita, KS
Wichita, KS
Overland Park, KS
Garden City, KS