Major Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.1. A current level of 5.6 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 13.6 percent.
Asset Mix:
Consumer loans (48%), home mtgs (13%), securities (7%), 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
610 Southwest 10th Avenue
Topeka, KS 66612
Topeka, KS 66612
Phone Number
(785) 233-5556
NCUA Charter Number
Website
Largest Competitors
Topeka, KS
Topeka, KS
Topeka, KS
Topeka, KS
Topeka, KS