Major Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 9.3. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (24%), home mtgs (19%), securities (4%), 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
9777 Ridge Drive
Lenexa, KS 66219
Lenexa, KS 66219
Phone Number
(913) 905-7000
NCUA Charter Number
Website
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