Major Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 18.2 percent of nonperforming loans to core capital combined with 17.4 percent from a year earlier contributes to the Good asset quality (5.8). Weak liquidity 2.8, driven by a liquidity ratio of 6.9 percent and a “hot money” ratio of 10.7 percent.
Asset Mix:
Consumer loans (33%), home mtgs (7%), other (60%)
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
3780 Vogel Road
Arnold, MO 63010
Arnold, MO 63010
Phone Number
(636) 282-1935
NCUA Charter Number
Website
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