One Vision Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 0.0. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good liquidity 6.3, driven by a liquidity ratio of 28.9 percent and a “hot money” ratio of 5.2 percent.
Asset Mix:
Home mtgs (16%), consumer loans (11%), other (73%)
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
206 West Lewis & Clark Parkway
Clarksville, IN 47129
Clarksville, IN 47129
Phone Number
(812) 945-4600
NCUA Charter Number
Website
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