Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (6.4) profitability.
Other Rating Factors:
Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (13%), comm loans (3%), securities (0%), other (53%)
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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