Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.8 and a net worth ratio of 13.8. A current level of 1.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Excellent (8.0) profitability. Excellent liquidity 7.1, driven by a liquidity ratio of 55.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (23%), consumer loans (20%), other (56%)
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
1817 West Broadway
Columbia, MO 65203
Columbia, MO 65203
Phone Number
(573) 214-4207
NCUA Charter Number
Website
Largest Competitors
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Columbia, MO