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 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 18.8 percent and a “hot money” ratio of 5.7 percent. A current level of 5.7 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (48%), home mtgs (14%), other (38%)
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
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Hannibal, MO