Major Rating Factors:
Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Fair (3.4) profitability.
Other Rating Factors:
A current level of 19.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6). Weak liquidity 2.8, driven by a liquidity ratio of 5.9 percent and a “hot money” ratio of 9.9 percent.
Asset Mix:
Consumer loans (30%), home mtgs (9%), other (61%)
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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