A A A Federal Credit Union
Major Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0.
Other Rating Factors:
Excellent liquidity 7.0, driven by a liquidity ratio of 45.6 percent and a “hot money” ratio of 4.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (17%), securities (8%), home mtgs (8%), other (66%)
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
1112 North Bendix Drive
South Bend, IN 46628
South Bend, IN 46628
Phone Number
(574) 232-8021
NCUA Charter Number
Website
Largest Competitors
South Bend, IN
South Bend, IN
South Bend, IN
South Bend, IN
South Bend, IN