Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 0.0. A current level of 4.6 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (8.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 27.4 percent and a “hot money” ratio of 21.5 percent.
Asset Mix:
Consumer loans (29%), home mtgs (18%), securities (11%), other (42%)
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
2828 South Lafountain Street
Kokomo, IN 46902
Kokomo, IN 46902
Phone Number
(765) 455-0500
NCUA Charter Number
Largest Competitors
Kokomo, IN
Kokomo, IN
Kokomo, IN