Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.6 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.6 and a net worth ratio of 17.4. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (67%), other (33%)
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
10107 Highway 79
Hannibal, MO 63401
Hannibal, MO 63401
Phone Number
(573) 221-1740x223
NCUA Charter Number
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Saint Charles, MO
Hannibal, MO
Hannibal, MO
