Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 14.4. A current level of 11.8 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (29%), home mtgs (10%), securities (3%), other (58%)
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
2306 South Rangeline Road
Joplin, MO 64804
Joplin, MO 64804
Phone Number
(417) 626-8500
NCUA Charter Number
Website
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