Mid-Kansas Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 11.7 percent and a “hot money” ratio of 11.2 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Consumer loans (19%), home mtgs (16%), other (65%)
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
104 South Avenue B
Moundridge, KS 67107
Moundridge, KS 67107
Phone Number
(620) 345-2980
NCUA Charter Number
Website
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