Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 12.8. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10). A current level of 9.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (26%), comm loans (24%), consumer loans (16%), other (34%)
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
One West Gate Drive
Odon, IN 47562
Odon, IN 47562
Phone Number
(812) 863-7000
NCUA Charter Number
Website
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