Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 0.0. A current level of 5.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
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 3.5, driven by a liquidity ratio of 21.8 percent and a “hot money” ratio of 20.9 percent.
Asset Mix:
Consumer loans (30%), home mtgs (19%), securities (11%), other (40%)
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