Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 0.0. A current level of 5.8 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Consumer loans (49%), home mtgs (1%), other (50%)
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
10021 East 66th Terrace
Raytown, MO 64133
Raytown, MO 64133
Phone Number
(816) 356-0791
NCUA Charter Number
Website
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