Major Rating Factors:
A current level of 9.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.7) 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 12.9 and a net worth ratio of 12.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (73%), other (27%)
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
514 Broadway
Hannibal, MO 63401
Hannibal, MO 63401
Phone Number
(573) 221-0201
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Jefferson City, MO
Hannibal, MO
Hannibal, MO