Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 13.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Good asset quality (6.8). Fair liquidity 4.0, driven by a liquidity ratio of 26.1 percent and a “hot money” ratio of 4.6 percent.
Asset Mix:
Consumer loans (43%), home mtgs (9%), other (47%)
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
416 North Broadway Street
Pittsburg, KS 66762
Pittsburg, KS 66762
Phone Number
(620) 231-5719
NCUA Charter Number
Website
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