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 (1.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.8, driven by a liquidity ratio of 9.1 percent and a “hot money” ratio of 13.9 percent. A current level of 22.8 percent of nonperforming loans to core capital combined with 22.8 percent from a year earlier contributes to the Weak asset quality (2.4).
Asset Mix:
Consumer loans (71%), home mtgs (4%), other (25%)
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
1400 South Oliver Avenue
Wichita, KS 67218
Wichita, KS 67218
Phone Number
(316) 687-4101
NCUA Charter Number
Website
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