Allegius Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0. A current level of 12.0 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Good asset quality (6.6).
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 (5.5 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 15.7 percent and a “hot money” ratio of 0.7 percent.
Asset Mix:
Consumer loans (17%), home mtgs (5%), 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
244 Allegius Drive
Burns Harbor, IN 46304
Burns Harbor, IN 46304
Phone Number
(219) 787-8049
NCUA Charter Number
Website
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