Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 25.7 percent and a “hot money” ratio of 0.0 percent. A current level of 12.4 percent of nonperforming loans to core capital combined with 12.4 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Consumer loans (71%), other (29%)
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
830 Deer Road
Glasco, KS 67445
Glasco, KS 67445
Phone Number
(785) 568-2648
NCUA Charter Number
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