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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.3 has resulted in Fair (3.9) profitability.
Other Rating Factors:
A current level of 15.3 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Fair asset quality (4.3). Fair liquidity 4.9, driven by a liquidity ratio of 20.0 percent and a “hot money” ratio of 7.7 percent.
Asset Mix:
Consumer loans (50%), other (50%)
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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