Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 22.5 percent and a “hot money” ratio of 21.0 percent.
Asset Mix:
Home mtgs (41%), securities (15%), consumer loans (13%), other (31%)
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
310 West 12th Avenue
Emporia, KS 66801
Emporia, KS 66801
Phone Number
(620) 342-2336
NCUA Charter Number
Website
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