Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). A current level of 20.7 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9. Fair liquidity 3.9, driven by a liquidity ratio of 24.2 percent and a “hot money” ratio of 12.4 percent.
Asset Mix:
Consumer loans (56%), home mtgs (4%), other (40%)
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
4960 E 21st St N
Wichita, KS 67208
Wichita, KS 67208
Phone Number
(316) 867-4700
NCUA Charter Number
Website
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Wichita, KS
Wichita, KS
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Wichita, KS
Wichita, KS