Garden City Teachers Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 34.0 percent and a “hot money” ratio of 4.9 percent. A current level of 6.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (58%), other (42%)
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
1601 East Kansas Plaza
Garden City, KS 67846
Garden City, KS 67846
Phone Number
(620) 275-0131
NCUA Charter Number
Website
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