Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 8.5. A current level of 18.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (29%), comm loans (17%), home mtgs (13%), other (42%)
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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