Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 21.3 and a net worth ratio of 21.3. A current level of 8.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 53.0 percent and a “hot money” ratio of 6.0 percent. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 0.7 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (28%), comm loans (14%), home mtgs (13%), comm re (0%), other (45%)
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
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