IH Credit Union, Inc
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.9 and a net worth ratio of 0.0. A current level of 8.6 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Excellent asset quality (7.1).
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 (6.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Fair (4.1) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (10%), other (67%)
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
5000 Urbana Road
Springfield, OH 45502
Springfield, OH 45502
Phone Number
(937) 390-1800
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Lima, OH
Springfield, OH