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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 22.8 percent and a “hot money” ratio of 5.9 percent. A current level of 4.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix:
Consumer loans (45%), home mtgs (11%), other (43%)
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
6460 Interstate Court
Hannibal, MO 63401
Hannibal, MO 63401
Phone Number
(573) 248-2569
NCUA Charter Number
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Jefferson City, MO
Hannibal, MO
Hannibal, MO