SM Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.9 and a net worth ratio of 18.9. A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 31.4 percent and a “hot money” ratio of 22.1 percent.
Asset Mix:
Home mtgs (51%), consumer loans (6%), securities (1%), 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
6029 Broadmoor Street
Shawnee Mission, KS 66202
Shawnee Mission, KS 66202
Phone Number
(913) 831-4555
NCUA Charter Number
Website
Largest Competitors
Lenexa, KS
Wichita, KS
Wichita, KS
Overland Park, KS
Garden City, KS