Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (6.9) profitability. A current level of 11.3 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Consumer loans (71%), home mtgs (3%), other (26%)
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
402 South Berkley Road
Kokomo, IN 46901
Kokomo, IN 46901
Phone Number
(765) 854-3067
NCUA Charter Number
Website
Largest Competitors
Kokomo, IN
Kokomo, IN
Kokomo, IN