Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 11.2.
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (51%), home mtgs (15%), securities (2%), other (32%)
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
3626 SW Wanamaker Road
Topeka, KS 66614
Topeka, KS 66614
Phone Number
(785) 228-0149
NCUA Charter Number
Website
Largest Competitors
Topeka, KS
Topeka, KS
Topeka, KS
Topeka, KS
Topeka, KS