Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.5 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Excellent asset quality (8.1). Fair liquidity 3.9, driven by a liquidity ratio of 19.0 percent and a “hot money” ratio of 2.8 percent.
Asset Mix:
Consumer loans (29%), home mtgs (13%), securities (0%), other (57%)
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
13001 West 95th Street
Lenexa, KS 66215
Lenexa, KS 66215
Phone Number
(913) 599-1010
NCUA Charter Number
Website
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