Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 13.0. A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.1 has resulted in Good (6.9) profitability. Good liquidity 6.8, driven by a liquidity ratio of 58.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (41%), other (59%)
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
3450 South Street
Lafayette, IN 47905
Lafayette, IN 47905
Phone Number
(765) 448-1158
NCUA Charter Number
Website
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