Harvester Financial Credit Union
Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 0.0. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Good (5.7) profitability. Fair liquidity 4.5, driven by a liquidity ratio of 24.6 percent and a “hot money” ratio of 1.2 percent.
Asset Mix:
Consumer loans (28%), securities (23%), home mtgs (13%), other (36%)
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
7020 Brookville Road
Indianapolis, IN 46239
Indianapolis, IN 46239
Phone Number
(317) 352-0455
NCUA Charter Number
Website
Largest Competitors
Indianapolis, IN
Indianapolis, IN
Indianapolis, IN
Indianapolis, IN
Indianapolis, IN