Whitewater Regional Federal Credit Union
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 (2.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 28.4 percent and a “hot money” ratio of 0.0 percent. A current level of 3.6 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (66%), other (34%)
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
3030 Western Avenue
Connersville, IN 47331
Connersville, IN 47331
Phone Number
(765) 827-1317
NCUA Charter Number
Website
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