Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.9) profitability. A current level of 5.9 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 0.0 percent. 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).
Asset Mix:
Consumer loans (60%), 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
6610 County Road 60A
Saint Joe, IN 46785
Saint Joe, IN 46785
Phone Number
(260) 337-1808
NCUA Charter Number
Website
Largest Competitors
South Bend, IN
Evansville, IN
Indianapolis, IN
Indianapolis, IN
Fort Wayne, IN