Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0.
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 (5.4 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 32.4 percent and a “hot money” ratio of 0.4 percent.
Asset Mix:
Consumer loans (29%), home mtgs (6%), 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
310 East Walnut Street
Columbia, MO 65201
Columbia, MO 65201
Phone Number
(573) 256-2500
NCUA Charter Number
Website
Largest Competitors
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Columbia, MO