Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.9) profitability.
Other Rating Factors:
Weak current capitalization (2.4 on a scale of 0 to 10) based on a net capital to total assets of 5.0 and a net worth ratio of 9.8. Fair liquidity 3.3, driven by a liquidity ratio of 24.7 percent and a “hot money” ratio of 18.1 percent.
Asset Mix:
Consumer loans (27%), home mtgs (6%), comm loans (2%), 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
Four Cessna Boulevard
Wichita, KS 67215
Wichita, KS 67215
Phone Number
(316) 440-9690
NCUA Charter Number
Website
Largest Competitors
Wichita, KS
Wichita, KS
Wichita, KS
Wichita, KS
Wichita, KS