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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (2.6) profitability.
Other Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.1). Fair liquidity 4.1, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 5.9 percent.
Asset Mix:
Consumer loans (45%), home mtgs (12%), 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