Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.4 and a net worth ratio of 17.4. A current level of 6.5 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Consumer loans (46%), other (54%)
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
506 Virginia Street
Sikeston, MO 63801
Sikeston, MO 63801
Phone Number
(573) 475-4545
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Saint Charles, MO
Columbia, MO
Sikeston, MO