Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (1.8) profitability.
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (75%), home mtgs (5%), other (20%)
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
1801 South Park Road
Kokomo, IN 46902
Kokomo, IN 46902
Phone Number
(765) 456-3043
NCUA Charter Number
Website
Largest Competitors
Kokomo, IN
Kokomo, IN
Kokomo, IN