Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.3 and a net worth ratio of 17.3. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Good liquidity 7.0, driven by a liquidity ratio of 40.7 percent and a “hot money” ratio of 16.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (22%), comm loans (0%), other (78%)
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
105 Southway Boulevard, West
Kokomo, IN 46902
Kokomo, IN 46902
Phone Number
(765) 453-6688
NCUA Charter Number
Website
Largest Competitors
Kokomo, IN
Kokomo, IN
Kokomo, IN
Kokomo, IN