Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 12.8. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm loans (23%), consumer loans (20%), other (31%)
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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