Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 10.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (75%), home mtgs (4%), other (21%)
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