B
Waypoint Mutual
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
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Major Rating Factors: Fair profitability index (4.9 on a scale of 0 to 10) with operating losses during 2022. Return on equity has been low, averaging 3.1% over the past five years. History of adequate reserve strength (5.7) as reserves have been consistently at an acceptable level. Good overall results on stability tests (5.9) despite. Stability strengths include excellent operational trends and good risk diversification.
Other Rating Factors: Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (100.0%)
Licensed in: All states except AK, CA, CT, DC, DE, HI, MA, MD, ME, MI, ND, NH, NJ, NY, OH, PA, RI, VT, WA, WY
Principal Investments: Investment grade bonds (66.5%), common stock (27.4%), cash (1.9%), other (4.2%)
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Investments in Affiliates
Corporate Info
Group Affiliation
Waypoint Mutual
Investment Rating
--
Company Address
1100 Walnut Street
Kansas City, MO 64106
Phone Number
(816) 474-7799
NAIC Number
13126
Largest Affiliates
C
Kansas City, MO - P&C
C
Kansas City, MO - P&C