Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 33.4 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.2.
Asset Mix:
Consumer loans (34%), home mtgs (7%), 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
201 Koomler Drive
La Porte, IN 46350
La Porte, IN 46350
Phone Number
(219) 324-5220
NCUA Charter Number
Website
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