Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 23.2 and a net worth ratio of 23.2. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4). Good liquidity 5.8, driven by a liquidity ratio of 59.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (38%), other (62%)
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
7550 Hohman Avenue
Munster, IN 46321
Munster, IN 46321
Phone Number
(219) 513-8872
NCUA Charter Number
Website
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