Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 16.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5). Fair liquidity 4.3, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 4.5 percent.
Asset Mix:
Consumer loans (38%), home mtgs (17%), securities (8%), other (37%)
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
3737 South Scatterfield Road
Anderson, IN 46013
Anderson, IN 46013
Phone Number
(765) 649-9271
NCUA Charter Number
Website
Largest Competitors
South Bend, IN
Evansville, IN
Indianapolis, IN
Anderson, IN
Anderson, IN