Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0. A current level of 7.0 percent of nonperforming loans to core capital combined with 20.7 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (60%), securities (5%), home mtgs (4%), other (32%)
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
Wichita, KS
Wichita, KS
Wichita, KS