Major Rating Factors:
A current level of 39.2 percent of nonperforming loans to core capital combined with 44.7 percent from a year earlier contributes to the Very Weak asset quality (0.7).
Other 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 (1.8 on a scale of 0 to 10). Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.5 and a net worth ratio of 5.5.
Asset Mix:
Consumer loans (72%), other (28%)
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
2721 West Sixth Street
Lawrence, KS 66049
Lawrence, KS 66049
Phone Number
(785) 865-1201
NCUA Charter Number
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