Development
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 (2.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (3.6) profitability.
Other Rating Factors:
A current level of 10.0 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Fair asset quality (4.8). Fair liquidity 4.9, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (55%), home mtgs (1%), other (44%)
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
10021 East 66th Terrace
Raytown, MO 64133
Raytown, MO 64133
Phone Number
(816) 356-0791
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Saint Charles, MO
Columbia, MO
Raytown, MO