Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.4). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 12.2.
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 (7.1 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 3.9 percent.
Asset Mix:
Consumer loans (35%), home mtgs (8%), comm loans (0%), other (57%)
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
201 Southway Boulevard, East
Kokomo, IN 46902
Kokomo, IN 46902
Phone Number
(765) 453-4020
NCUA Charter Number
Website
Largest Competitors
Kokomo, IN
Kokomo, IN
Kokomo, IN