Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.2, driven by a liquidity ratio of 29.4 percent and a “hot money” ratio of 6.7 percent. Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (34%), home mtgs (17%), securities (3%), other (46%)
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
717 North Socora Street
Wichita, KS 67212
Wichita, KS 67212
Phone Number
(316) 264-9163
NCUA Charter Number
Website
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