C & R Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 8.0 percent. A current level of 3.6 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (70%), other (30%)
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
801 Fifth Street
Clay Center, KS 67432
Clay Center, KS 67432
Phone Number
(785) 632-5161
NCUA Charter Number
Website
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