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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) profitability.
Other Rating Factors:
A current level of 6.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4). Good liquidity 5.4, driven by a liquidity ratio of 30.2 percent and a “hot money” ratio of 3.8 percent.
Asset Mix:
Consumer loans (52%), other (48%)
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
Largest Competitors
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