Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 12.0. A current level of 5.6 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
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 (6.2 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 10.9 percent.
Asset Mix:
Consumer loans (56%), home mtgs (1%), comm loans (0%), other (44%)
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 North Missouri Street
Macon, MO 63552
Macon, MO 63552
Phone Number
(660) 385-8205
NCUA Charter Number
Website
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