Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.0 has resulted in Weak (1.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.5. A current level of 4.7 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (69%), home mtgs (9%), other (22%)
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
8404 West Kellogg Drive
Wichita, KS 67209
Wichita, KS 67209
Phone Number
(316) 722-3921
NCUA Charter Number
Website
Largest Competitors
Wichita, KS
Wichita, KS
Wichita, KS
Wichita, KS
Wichita, KS