Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.1 and a net worth ratio of 19.1. Operating profits as a percentage of assets at 3.1%, coupled with a return on assets of 1.8 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
A current level of 9.5 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (18%), 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
217 East Main Street
Goessel, KS 67053
Goessel, KS 67053
Phone Number
(620) 367-2285
NCUA Charter Number
Largest Competitors
Lenexa, KS
Wichita, KS
Wichita, KS
Overland Park, KS
Garden City, KS