Howard County School Employees Federal Credit Union

Kokomo, IN

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.80
Capitalization Index	10.00
Liquidity Index	6.70
Profitability Index	6.70
Stability Index	6.90

Company Info	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	3015
Phone Number	(765) 453-6688
Website	www.hcsefcu.org

Asset Quality	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-5.17%
5-Year Asset Growth	1.98%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.74%
Non-Performing Assets to Assets	0.64%
Non-Performing Loans to Capital	3.82%
Non-Performing Loans to Loans	2.35%

Balance Sheet	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
Total Assets	31.65M
Total Deposits	26.32M

Capital and Reserves	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
Capital	5.30M
Leverage Ratio	16.74
Loan Loss Reserves to Loans	0.15%

Liquidity	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	16.19%
Liquidity Ratio	31.90%

Profitability	Howard County School Employees Federal Credit Union Kokomo, IN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.46%
Net Income	295.00K
Net Interest Spread	2.79%
Operating Profit to Average Assets	1.35%
Overhead Efficiency Ratio	45.32%
Return on Assets	1.20%
Return on Equity	7.74%