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). Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.2.
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 17.0 percent and a “hot money” ratio of 5.3 percent. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (56%), other (44%)
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
10000 East 66th Terrace
Raytown, MO 64133
Raytown, MO 64133
Phone Number
(816) 313-2848
NCUA Charter Number
Website
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