Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 19.6 percent and a “hot money” ratio of 7.5 percent. Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.4.
Asset Mix:
Consumer loans (39%), home mtgs (24%), securities (2%), comm loans (1%), other (35%)
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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