Development
Major Rating Factors:
A current level of 31.1 percent of nonperforming loans to core capital combined with 36.2 percent from a year earlier contributes to the Weak asset quality (2.0).
Other 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 (2.6 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 51.6 percent and a “hot money” ratio of 6.7 percent.
Asset Mix:
Consumer loans (68%), 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
2721 West Sixth Street
Lawrence, KS 66049
Lawrence, KS 66049
Phone Number
(785) 865-1201
NCUA Charter Number
Largest Competitors
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