Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.5 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 8.8.
Asset Mix:
Consumer loans (28%), comm loans (16%), home mtgs (13%), other (43%)
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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